NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT
Genesis
National Bank for Agriculture and Rural Development (NABARD) was established by an Act of the Parliament on 12 July 1982. The agriculture credit functions of the Reserve Bank of India (RBI) and refinance functions of the then Agricultural Refinance and Development Corporation (ARDC) were transferred to NABARD on its formation.

Capital structure
The paid up capital of NABARD is Rs.2,000 crore, subscribed by the GoI and RBI at Rs.550 crore and Rs.1,450 crore respectively.

Management Structure
The management of NABARD is vested with a Board of Directors comprising the Chairman, Managing Director, representatives of RBI, GoI, State Governments, and Directors appointed by the GoI. Composition of Board of Directors Ø Chairman Ø Three Directors from amongst experts in rural economics, rural development, village and cottage industries, small scale industries or persons having experience in the working of cooperative banks, regional rural banks or commercial banks or any other matter the special knowledge or professional experience which is considered useful to NABARD Ø Three directors from out of the directors of Reserve Bank of India Ø Three directors from amongst the officials of the Central Government Ø Four directors from amongst the officials of the State Government Ø Such number of directors elected in the prescribed manner by share holders other than RBI and GoI Ø Managing Director

Mission
Promote sustainable and equitable agriculture and rural prosperity through effective credit support, related services, institution development and other innovative initiatives.

Mandate
NABARD was set up by Government of India (GoI) as a development bank with a mandate for providing and regulating credit and other facilities for the promotion and development of agriculture, small scale industries, cottage and village industries, handicrafts and other rural crafts and other allied economic activities in rural areas with a view to promoting integrated rural development and securing prosperity of rural areas, and for matters connected therewith or incidental thereto.

Objectives
■ ■ Facilitate credit flow for agriculture, rural infrastructure and rural development, Promote policies, practices innovations conducive to development, and rural

Organisational setup
NABARD has its Head Office at Mumbai, 30 Regional Offices located in the states, a Cell at Srinagar, Training Establishments at Bolpur, Hyderabad, Mangalore and Lucknow and 395 District Development Managers functioning at district level. NABARD has 2887 officers supported by other staff.
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Strengthen rural credit delivery system through institutional development, Supervise Rural Financial Institutions (Cooperative Banks and Regional Rural Banks). Consultancy services.

Client Institutions
Credit related Scheduled Commercial Banks Regional Rural Banks State Cooperative Banks and District Central Cooperative Banks State Cooperative Agriculture and Rural Development Banks Primary Urban Cooperative Banks Non Banking Finance Companies State Governments Development oriented Regional Rural Banks State Cooperative Banks and District Central Co operative Banks State Cooperative Agriculture and Rural Development Banks Non Governmental Organizations and Voluntary Agencies Rural Development and Self-Employment Training Institutes

NABARD’s functions at a glance
Credit Planning and Monitoring
● Preparation of district-wise annual Potential Linked Credit Plans (PLPs), mapping the exploitable potential in agriculture and allied sectors, rural non-farm sector, etc., available for development through bank credit, Preparation of State Focus Paper (SFP) based on the Potential Linked Credit Plans (PLPs), Formulation of policies and operational guidelines for Rural Financial Institutions (RFIs), Monitoring the flow of ground level credit to agriculture and allied sectors, Coordination with various Government agencies and departments at district, state and national level.

Promotion and Development
● ● Capacity building of partner institutions, Support to innovation and experimentation of new models and practices in rural development and credit delivery system, Dissemination of innovative products and ideas, Support Research and Development (R & D), Institutional development of client organisations including revitalisation, Assisting RBI and GoI in formulation of policies relating to rural credit, Promotion of micro credit innovations, Promotion of Farmers’ Clubs, Joint Liability Groups and Tenant Farmers, Promotion of Rural Non-Farm Sector (RNFS), Promotion of Kisan Credit Card (KCC) scheme, Consultancy services. On-site inspection of Cooperative Banks and Regional Rural Banks (RRBs), Off-site surveillance on the financial health of Cooperative Banks and RRBs.

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Financial Services
Ø Refinance by way of loans and advances to RFIs for financing investment and production purposes in rural areas, Ø Loans to State Governments for developing critical infrastructure including social infrastructure in rural areas and strengthening cooperatives, Ø Support for micro credit innovations of Non Governmental Organisations (NGOs) and other formal and non-formal agencies, Ø Monitoring and evaluation of projects financed, Ø Co-financing with financial institutions.
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Supervision

NABARD’s operations in brief
Credit Planning District Level Planning
Potential Linked Credit Plans (PLPs) are prepared by NABARD annually for all the

Labour contract and forest labour cooperative societies including collection of minor forest produce. viz. infrastructure available and planned. other than SAO. It maps the potential available for development in agriculture and rural sectors in the districts and projects the credit requirements. refinance was extended to Kerala and Rajasthan SCARDB at 4. NABARD provides refinance by way of credit limits for financing seasonal agricultural operations at concessional rate of interest to State Cooperative Banks (SCBs) and Regional Rural Banks (RRBs).3 lakh to farmers at 7% interest. Pisciculture. Credit functions and Clients Short Term (ST) Credit Seasonal Agricultural Operations (SAO) To ensure timely availability of credit to farmers for taking up seasonal agricultural 3 ● ● . is prepared.. Short Term (ST) . Interest Subvention During the year 2008-09 GoI provided 3% interest subvention to banks to ensure availability of crop loans upto Rs. Procurement of agricultural inputs (fertilisers. Rural artisans including weaver members of functional societies. a comprehensive picture of the potential available in each state for development of agriculture.5% for lending to the ultimate borrowers at 7%. Banks. seeds. to: Cooperative Banks for financing: National Level Planning NABARD facilitates GoI. extension services. taking into account the long term physical potential. ● ● ● ● ● Agriculture. banks follow production-oriented system of lending. allied and other rural sectors which could be exploited with institutional credit and also critical gaps in infrastructure and support services which need to be filled in. banks.districts in the country. allied and other rural sectors in the state and channelising credit. inter alia. etc. State Governments and other agencies refer to this document in their planning process. Marketing of crops. During the year 2008-09. The PLPs now form the basis for preparation of Annual Credit Plan at the district level by banks.Others Refinance support is extended for various other activities. credit absorption capacity and the strength and capabilities of the Rural Financial Institutions (RFIs). operations. etc. PACS/LAMPS/ FSS. A pilot scheme to provide short term refinance to State Cooperative Agriculture and Rural Development Banks (SCARDBs) introduced in 3 states was extended to cover all SCARDBs in the country. allied and marketing activities. Industrial cooperative societies (other than weavers). State Credit Seminars are convened annually by the Regional Offices of NABARD.. These seminars are aimed at action planning by all concerned to promote development of rural areas through credit and non-credit support services. RBI and State Governments to evolve policy decisions on credit flow to agriculture and rural development. marketing support. where the State Government Departments and agencies. State Level Planning State Focus Paper which presents. voluntary agencies NGOs. As per the budget announcement for 200910. The assessment of credit requirement is based on area under different crops and crop wise scales of finance. interest subvention of 2% per annum is available to the banks and additional interest subvention @ 1% would be given to those prompt paying farmers who repay their ST crop loans within one year. NABARD coordinated the interest subvention scheme in respect of cooperatives and RRBs. participate and discuss policies and operational measures required for addressing the constraints in development of the potential available in agriculture.).

Liquidity Support to SCBs and RRBs In order to enable Cooperative Banks and RRBs to tide over the temporary liquidity crunch due to implementation of the ADWDR Scheme 2008. RRBs.. a scheme has been formulated to support marketing and input infrastructure of handloom weavers through master weavers. Ø Persons belonging to weaker sections of the society engaged in trade/ business/ service activities including distribution of inputs for agriculture and allied activities. Non Banking Financial Companies (NBFCs). Regional Rural Banks and Commercial Banks. SCBs.5255 crores as liquidity support to SCB and RRBs during 2008-09 as against maximum outstanding was Rs. Ø Pisciculture. Eligible Institutions NABARD provides refinance support to SCARDBs. NABARD has provided liquidity Support to SCBs and RRBs. North East Development Finance Corporation Ltd. Ø Production and marketing of activities of artisans (including handloom weavers) and village/cottage/tiny sector industries.. Scheduled Primary Urban Cooperative Banks. which may be extended to a maximum of 7 years in case of recurring calamities. (NEDFI). Medium Term (non schematic) Loans Refinance is provided to SCBs and RRBs for financing farmers to acquire productive assets for certain approved agricultural investment purposes. productivity and incremental income to farmers and entrepreneurs. individual Weavers. Investment Credit Investment credit leads to capital formation through asset creation. etc. Weavers’ Finance Refinance is extended to State Cooperative Banks/DCCBs for financing the working capital requirements of Primary Weavers Cooperative Societies.Outside Cooperative fold The weavers outside the cooperative fold. Medium Term Credit Medium Term (Conversion) Loan On the State Governments declaring substantial crop loss on account of natural calamities affecting the farmers’ ability to repay their production credit dues to banks.17212 crore. organised into Handloom weavers groups on the lines of joint liability groups are supported through Cooperative Banks. The repayment period of the converted loan is 3 years. Handloom Weaver groups and Master Weavers for their production and marketing activities. 4 . NABARD also provides refinance assistance to State Cooperative Banks for financing the Apex/Regional Weavers Cooperatives for procurement and marketing of products of primary weavers cooperatives and for trading in yarn.4269 crore. NABARD sanctioned short term loans of Rs. NABARD also sanctioned Rs. Recognising the role of Master Weavers. refinance by way of medium term loan is granted to State Cooperative Banks and Regional Rural Banks to enable them to convert their short term loans of farmers into medium term loans. It induces technological upgradation resulting in increased production.19627 crore to SCBs and RRBs for production purposes during 2008-09 against which maximum outstanding was Rs.Regional Rural Banks for financing: Ø Marketing of crops. This facilitates the farmers to become eligible for fresh loans. The State Handloom Development Corporations engaged in procuring and marketing of products from decentralised weavers units outside cooperative fold are also extended refinance through State Cooperative Banks and Commercial Banks. Weavers’ finance . in respect of their term loans extended in the rural areas. CBs.

purchase of land by small/marginal farmers. With the objective of assisting the State Governments in completing ongoing rural 5 Criteria for refinance and repayment period Technical feasibility. agri clinic and agri business centers. Capital Investment Subsidy Schemes NABARD provided refinance support of Rs. animal husbandry. fisheries. farm mechanisation. share croppers. vermiculture hatchery and composting units of fruit and vegetable wastes. etc. plantation and horticulture..46% over the previous year. micro finance. NABARD oversee the operationalisation of the following capital investment subsidy schemes of Government of India. Rural Infrastructure Development For creating effective demand for agricultural and rural credit..borrowers. etc.Loans to State Governments Contribution to the share capital of cooperatives To strengthen the owned funds position of cooperative credit institutions and thereby increasing their capacity to leverage larger resources. joint liability groups. SC/ST action plan. waste land development. The period of refinance ranges between 3 and 15 years. depending on the purpose for which it is provided. are eligible for refinance. renewable sources of energy. agro and food processing. • Construction of cold storages. agri export zones. dry land farming.29 crore for investment credit during 2008-09 showing a growth of 16. As a nodal agency. grading and standardisation • Establishing Agri-Clinic and AgriBusiness centres by agriculture graduates • Supporting bankable projects for commercial production of organic inputs like bio-fertiliser. NABARD provides loans to State Governments to contribute to the share capital of these institutions. This support is now extended subject to compliance of Vaidyanathan Committee recommendations. onion godowns and rural godowns • Development / strengthening of agriculture marketing infrastructure. rural housing and disbursements under poverty alleviation programmes like SGSY. contract farming. NABARD also assists client institutions in techno-economic appraisal of projects in addition to providing refinance. it was found necessary to augment rural infrastructure which was being traditionally supported by State Governments out of budgetary support but was insufficient to meet the growing need and demand. financial viability and bankability of the projects which ensure incremental income generation to the ultimate . post harvest management. Central Sector Plan Scheme • Venture capital for dairy and poultry sectors Eligible purposes for refinance Minor and Micro irrigation. Direct Credit . etc. land development. thereby enabling them to have a reasonable surplus after repayment of the loan installments are necessary conditions to be satisfied to sanction refinance for investment credit.10535. non-farm sector including rural industries. storage godowns and market yards. hi-tech projects.

052.000 crore. 6 . Uttarakhand and North Eastern States including Sikkim) Rural Roads Rural Bridges The phasing for implementation of projects is determined as per the requirements and ranges from 3 to 4 years. Reclamation of water logged area Market Yard. Jammu & Kashmir. Godown. Drainage. The cumulative sanctions under all the tranches of RIDF on 31 March 2009 stood at Rs. testing laboratories Fishing harbor/jetties. Rural Infrastructure Development Fund (RIDF) was set up with NABARD in 1995-96 for providing term loans at concessional rates to State Governments with contributions from Commercial Banks by way of deposits. 31 activities covering almost all aspects of rural infrastructure are being funded under RIDF as mentioned below: Eligible activities under Rural Infrastructure Development Fund Agriculture and allied sectors (RIDF loans @95% of projects Cost : All States) All irrigation projects Soil Conservation.73.733. Forest Development Grading/certifying mechanisms. The maximum phasing was five years in case of major and medium irrigation projects and other stand-alone projects involving RIDF loan of Rs. However.infrastructure projects and also to take up new infrastructure projects.64 crore upto 31 March 2009. Marketing Infrastructure.86. Cold Storage Plantation and Horticulture.09 crore for 365003 projects. Public Health Institutions Infrastructure for Rural Education Institutions Construction of toilet blocks in existing schools ‘Pay &use’ toilets in rural areas Construction of Anganwadi Centres Setting up of KVIC industrial estates/centres Rural connectivity (RIDF loan @ 80% of projects cost (90% of projects cost for Hill States of Himachal Pradesh. Riverine Fisheries Animal Husbandry. Watershed. Modern Abattoir Mini Hydel Projects/Small Hydel Projects Village Knowlede Centres. Flood Protection. Infrastrucutre for IT Technology Desalination plants in coastal areas Social Sectors (RIDF loan @ 85% of projects cost (90% of projects cost for Hill States of Himachal Pradesh. Presently.20 crore.88. Jammu & Kashmir.50 crore and above. with an extra year provided for projects in Hill States. all the State Governments were expected to draw a loan of Rs.4000 crore to NRRDA for funding Rural Roads component of Bharat Nirman during 2009-10.359. Uttarakhand and North Eastern States including Sikkim) Drinking Waters.18000 crore including Rs. the actual disbursements to States stood at Rs.56. As per the phasing of projects. The allocation to RIDF XV has been Rs. The cumulative allocation covering RIDF I (1995-96) to XIV (2008-09) is Rs.

64.81. An amount of Rs. bank loan of Rs.96 crore.4.set for disburse2007-08 ment 2008-09 ment during during 2007-08 2008-09* Separate window under RIDF for funding Bharat Nirman A separate window under RIDF for funding the rural roads component of Bharat Nirman was created in NABARD with an allocation of Rs. dairy.000 1.000 23.12000 crore as at the end of March 2009.000 2. This funding continues with an additional annual allocation of Rs.000 crore.23.258 25.724 2.73 lakh kms of rural road network and 5.000 30.54.658 2.000 crore in 2006-07 (RIDF XII).80. Monitoring RIDF Projects Monitoring RIDF projects is an important responsibility of NABARD as it ensures timely completion and high quality of the assets created.214.Crore) Agency Target Actual Target 2008-09 set for disburse. agri infrastructure.87. The primary responsibility however rests with the State Governments. 7 Commercial Banks (Public & Private Sector) Cooperative Banks Regional Rural Banks Total * Provisional 1.55 crore during the year 2008-09.000 36.149 . The aggregate sanction to National Rural Roads Development Agency (NRRDA) under Bharat Nirman stood at Rs. Of these projects.Cofinancing During 2008-09.000 2.95. l Addition of 2.25.762 26.663 52.486. The target and achievement in the last 2 years are given below: Agency-wise performance vis-a-vis target set by Government of India (Rs.312 55.06 lakh meters bridge length.4.11 crore have been sanctioned as on 31 March 2009. Cumulatively. 40 projects involving TFO of Rs.55 lakh jobs and non recurring employment of 65353 lakh person days.95 crore was disbursed during the year under cofinancing arrangement showing an increase of 35% over the previous year. based on periodical returns and (b) field visits by its officers from HO/ ROs / DDMs and the consultants. l Contribution to the GDP to the tune of Rs.56 crore and NABARD’s share of Rs.31. Thrust Areas Ground Level Credit flow to agriculture and allied sector Government of India continued its efforts to enhance the flow of credit to agriculture and allied sectors. modern rice mill.94.736.36. bank loan of Rs. NABARD executed Memorandum of Understanding with three RRBs and West Bengal State Cooperative Bank. l Generation of recurring employment of 70.11 crore.12000 crore and disbursements at Rs.97 lakh ha. fodder processing and veterinary college. Expected benefits as at the end of March 2009 under RIDF l Creation of additional irrigation potential in 144. Twelve new projects were sanctioned with total financial outlay (TFO) of Rs.000 48. setting-up of Individual Quick Freezing Plant.000 2. covering activities such as button mushroom production. NABARD is closely involved in monitoring the ground level credit flow and coordinating with banks and Government of India. cultivation of herbs. NABARD undertakes monitoring of RIDF projects by exception through (a) the desk reviews.088 1.28 crore and NABARD’s share of Rs. ten have been sanctioned in association with RRBs and two with CBs.50.19467 crore.

NABARD has been actively supporting Watershed Development which covered 1. oral lessees. Keeping in view the Government’s emphasis on increasing credit flow to agriculture sector. . Government of India has set a target of Rs. Full Implementation Phase (FIP)is taken up only after successful completion of CBP.45 RRBs 114. RRBs and Cooperative Banks. are also covered under the scheme.25. 3.7 million ha under various Programmes. lakh) Commercial Banks 352. timely. The KCC holders are covered under a Personal Accident Insurance Scheme (PAIS) against accidental death and permanent disability. through people’s participation. The scope of KCC was broadened by NABARD to cater to various term credit needs under a single window.54* Cooperative Banks 361.. sharecroppers. II.To sustain increased flow of credit to the agriculture and allied sectors.70 Objectives Development of micro watersheds in an integrated and comprehensive manner. * position as at the end of December 2008. NABARD’s Participatory Watershed Development Programme has been considered as a pioneering model in community based Natural Resources Management.000 crore for the year 2009-10. rainwater and vegetation. The scheme is implemented across the country by all Public Sector Commercial Banks. Capacity Building Phase (CBP) implemented through identified NGOs. 8 Indo German Watershed Development Programme (IGWDP) is being implemented since 1992 in Maharashtra through NGOs and village level community based organisations. cost effective and hassle free short-term (ST) loans for Seasonal Agricultural Operation (SAO) to farmers.71 Total 828. tenant farmers. Indo-German Watershed Development Programme (IGWDP) Kisan Credit Card (KCC) Performance and Achievement The Kisan Credit Card (KCC) scheme introduced in August 1998 has facilitated in augmenting the GLC flow for crop loans by providing adequate. In addition to ST credit and term loans for agriculture and allied activities. Watershed Development Watershed development has proved to be a comprehensive approach to enhance productivity of dry land through conserving soil. a certain component of loan through KCC also covers consumption needs. for achieving sustainable production system. etc. Gujarat and Rajasthan. Kisan Credit Cards issued as at the end of March 2009 (No. IGWDP has also been extended to Andhra Pradesh. Watershed Development Programme has two phases: I. where a small portion of the watershed is taken up for treatment to develop the capacity and conviction among the farmers to undertake the project activities.

Maharashtra. Banka. Gaya. 182 projects are under implementation in Maharashtra. Jamui. Besides.000 ha of wasteland in Aurangabad. Grant assistance of Rs 118. watershed communities. Rural Housing/ Rural Habitat and refinance support to banks Recognising the importance and housing needs in rural areas. Hence.44 crore disbursed.. housing. Impact of the Watershed Programme In addition to normal implementation of projects in 14 States. Andhra Pradesh. watershed projects aggregating 30. Gujarat and Rajasthan. Service and Business (ISB) components of Government sponsored programmes. NABARD has identified financing. Crop diversification Increase in fodder availability leading to increased milk production Improved local employment reducing distress migration Improvement in the condition of women and landless Continuous wage employment during project implementation and on account of increased agricultural activity in the post project period Significant increase in demand for credit and dependence on money lenders reduced due to Self Help Group activity Loan repayments improved with strong community involvement. village and tiny industries. Refinance is also extended to Industries. health and school attendance visible l l l l l Non-Farm Sector Rural Non Farm Sector (RNFS) holds the key to faster economic development of the country. productivity. Improved quality of life. Andhra Pradesh. Nawada and Rohtas districts on the pattern of IGWDP and WDF programme. The project envisages development of 80. processing and service activities in the small and micro enterprises sector with focus on cottage. SHGs.62 crore was disbursed.. viz.123. Munger. l Integrated Watershed Development in South Bihar The Planning Commision has entrusted NABARD with a project to implement participatory watershed development in eight districts of South Bihar in association with NGOs.Progress under IGWDP as at the end of March 2009 l l 103 Projects have been completed. NABARD extends . l l l Watershed Development Fund Watershed Development Fund (WDF) was set up in NABARD during 1999-2000 with a corpus of Rs.000 ha in each of the 31 distressed districts are being implemented in holistic manner using WDF in 4 States. Bhabhua.etc.. etc.200 Crore contributed equally by GoI (Ministry of Agriculture) and NABARD for creating replicable Watershed Development Models.60 Crore has been allocated for the programme. l Improvement availability in drinking water l In-situ water conservation and rise in ground water table leading to increase in agricultural production.57 Crore : 454 : 169 : 623 9 Credit Support The refinance products of NABARD cover the entire gamut of manufacturing. An amount of Rs. Progress as at the end of March 2009 Cumulative Disbursement Capacity Building Phase Full Implementation Phase Total Projects taken up : Rs. As on 31 March 2009. 77 CBP and 15 FIP projects have been sanctioned and a cumulative sum of Rs 5. The entire programme is being implemented on grant basis. development and promotion of RNFS as one of its thrust areas. while arresting the migration of rural population to urban areas in search of livelihood opportunities. under the Special Plan for Bihar component of Rashtriya Sam Vikas Yojana (RSVY). Karnataka and Kerala. It has potential and promise for generating employment and increased income in the rural areas. rural artisans and rural crafts as also rural housing sector.

905 REDPs/SDPs benefiting 3. cycle stand. Sawai Madhopur in Rajasthan and Sabarkantha in Gujarat) with the objective of generating sustainable employment opportunities through promotional measures together with enhanced credit flow to Rural NonFarm Sector in a coordinated manner. associating Rural Development and Self Employment Training Institutes (RUDSETI).1303. grant cum loan assistance to Rural Development and Self Employment Training Institutes (RUDSETI). raising the cumulative sanction to 101 haats with a grant assistance of Rs. has proved itself as a successful model for employment generation in rural areas.17 lakh units and created employment opportunities for over 43. demonstrative and cost effective manner. banks and voluntary agencies in the conduct of training programmes. during 2008-09. The cumulative grant assistance provided for conducting 11. District Rural Industries Project (DRIP) Promotional Support Promotion of rural non farm sector is recognised as an important and necessary adjunct to NABARD’s refinancing function. The objective of the promotional programmes is to create replicable models to generate and enhance opportunities for employment and income generation in rural areas in a sustainable.268. 46 rural haats have been sanctioned with a grant assistance of Rs. Scheme for constructing / Strengthening Rural Haats Rural Haat scheme was introduced in 1999 to boost marketing of rural farm and non farm products extended to all the Districts and in addition to PRIs/ PACS. voluntary associations.29 lakh persons with a ground level credit flow of Rs. NGOs. NGOs. etc. Rural Mart A scheme for setting up of marketing outlet known as ‘Rural Mart’ at district and sub10 . The individual loan ceiling for a new housing unit is Rs. Kurnool in AP. The success of the pilot resulted in adding more districts under the project from 2001-02 over a period of 5 years.79 crore including Rs.185. This resulted in coverage of 106 districts as at the end of March 2007 and facilitated setting up of more than 34.00 lakh persons amounted to Rs.5 lakh.2706. a common action plan is prepared and implemented in coordination with the Government and non governmental agencies involved in the promotion of rural industrialisation in the selected districts.206. SHGs Federation and VBBs made eligible for assistance under the scheme during the year. whichever is lower.47 crore for rural housing. toilets.25.15 lakh and Rs.53 lakh. Rural Entrepreneurship Development Programme (REDP) Rural Entrepreneurship Development Programme (REDP). is extended to implementing agencies for providing minimum infrastructure facilities like raised platforms with shed.05 crore as on 31 March 2009. drinking water facilities.330.refinance support to eligible banks to augment credit flow to housing sector. in the new or existing haats.60 lakh was sanctioned for conducting 2083 REDPs/SDPs benefiting 0.. VDBs. etc. introduced on an experimental basis in the early nineties. A grant assistance of Rs. The grant assistance at 90% of the project cost or Rs. Ganjam in Orissa.90 lakh.30 lakh persons. trusts and other promotional organisations. NABARD provides grant. The Rural Entrepreneurship Development Programme has been institutionalised by District Rural Industries Project was launched in 1993-94 in 5 select districts (Gwalior in MP.6039.81 lakh as at the end of March 2009.5 lakh for renovation/repairs. Under the project. During 2008-09. Refinance provided by NABARD under rural non farm sector during 2008-09 was to the tune of Rs. as a means to support capacity building of rural unemployed youth to enable them to set up their own enterprises.

1 intensive and 1 eco-tourism clusters were sanctioned involving grant of Rs. Financial and Marketing interventions.15. The following broad sectors have been identified for development on priority basis under Cluster Development Programme: q q q q Skill Upgradation and Design Development for Handloom Weavers (SUDHA) The scheme aims at supporting development of new designs for handloom products and upgrading the skills of traditional handloom weavers for improving their marketability. etc.10..99 lakh were sanctioned during 2008-09. Under participatory mode of Cluster Development. the intervention budget under grant support would be limited to Rs. private tourist operators and rural community. was introduced in September 2005. Technological. i. Grant assistance is provided to apex handloom cooperative societies and voluntary organisations involved in the promotion of handloom sector for conducting market surveys. Financial assistance in the nature of grant assistance is extended to support marketing of farm and non-farm products including products of rural artisans/ handicrafts sector. 6 intensive.. self help groups and their federations. the non governmental organisation facilitating the setting up of rural mart at district and sub-district level is paid a maximum of Rs. In addition. etc.90 lakh at district and subdistrict level respectively is extended to meet the cost of establishment of rural marts.27. to be achieved during a period of 3 to 5 years beginning 2005-06. and 5 clusters for intensive development exclusively by NABARD. and set a corporate target of 50 clusters on participatory model. training. design development. During the year. one in Chhattisgarh and one integrated tourism-cum-handicrafts cluster in and around Santiniketan.and Rs. 3 rural/agri tourism.72. Infrastructure related. In accordance with GoI’s special emphasis on developing the handloom sector. for hiring of premises.61 lakh as at the end of March 2009...1. SHG members 11 Agri & Allied Activities Food Processing Small & Micro Enterprises in rural areas Traditional arts. NABARD decided to develop 50 handloom weavers’ clusters in partnership with other developmental agencies. such as SARAS-Mahalaxmi fair at Mumbai and similar melas in other cities. during 2005-06. Rs. activity groups. Seventy three rural marts with a grant assistance of Rs. 37 participatory.310. farmers’ clubs. Grant assistance upto a maximum of Rs.83 lakh. especially home-based rural tourism and agri-tourism in association with State Tourism Department/ tourism corporations. handicrafts and handlooms List of possible interventions in our Cluster . This helps the artisans. such as.52 lakh grant assistance was released by 6 States raising the cumulative grant assistance of Rs.92 lakh. NABARD decided to take up a Cluster Development Programme on its own. skill upgradation. 000/. 101 clusters (90 participatory.45 lakh and Rs.1. three rural tourism clusters were approved two in Sikkim. the implementation period would be a maximum of 5 years with our grant support not exceeding Rs. etc.15 lakh per cluster over a period of 3 years and under Intensive mode.00 crore. As on 31 March 2009.8. both within and outside the country. Development Approach include Social. Further. West Bengal. The support is intended to cover the risks involved in the initial stages of rural retail marketing outlets.000/respectively as lump sum grant. As on 31 March 2009. 1 NPRI and 1 rural toursim-cum-handicrafts) across 81 districts in 25 States have been approved. As at end-March 2009. Marketing and other Initiatives Promotional and financial support for marketing products of rural artisans and rural entrepreneurs is extended by sponsoring/cosponsoring of exhibition cum sales events.e. taking the cumulative sanction to 202 rural marts with a grant support of Rs.198. publicity. NABARD extended the cluster approach for developing agri/rural tourism. remuneration for one sales person. for an initial period of 15 months.division level by producers’ groups. melas. partnering with other agencies. 59 handloom clusters were approved. engaging design consultants.0. Cluster Development Considering the potential of cluster approach for rural industrialization. and improving marketing efforts. market promotion interventions. During 2008-09.

linkage of Micro Finance Institutions (MFIs) with the banking sector was promoted by NABARD to enable onlending by MFIs to SHGs and individuals.007.. to small artisans. socially committed individuals and bodies and banks themselves. The overall progress of the micro finance programme is presented below: Particulars 2008-09 No. The programme rekindled the basic human trait of self worth of every member in a group. 45 training programmes were conducted through training centres of NABARD and RBI for 1. crore) 5545.51 22679. The social intermediation in forming and nurturing the self help groups is handled by a large number of non governmental organisations. field level functionaries of government agencies. handloom weavers. banking system.4. RRBs. voluntary agencies. marketing strategies according to the emerging market preferences. attempts to link the poor in large numbers to the formal banking sector in a sustainable and cost effective manner. extended grant support to NGOs. Micro Finance SHG-Bank linkage programme The SHG-Bank linkage programme. hassle free and cost effective manner from the banking system. community based organisations like farmers’ club. providing unbanked rural clientele access to formal financial services from the existing 12 6121147 1609586 4224338 581 1915 Support to Partner Agencies NABARD as in the past. This SHG. NABARD provides grant assistance to various partner agencies in promoting and nurturing of SHGs.09 Training Programmes for client institutions To enable the client financial institutions. With the success of the SHG-Bank linkage programme.84 3732. other micro entrepreneurs in rural and urban areas. This facility also includes a reasonable component for meeting consumption needs. to diversify their loan portfolio and accelerate the credit flow to rural non-farm sector. training programmes are supported and funded by NABARD. both working and block capital. Efforts continued towards roping in new Self-Help Promoting Institutions (SHPIs) . self-employed persons. rickshaw owners. and extends refinance support to banks against their loans to SHGs. viz. the groups mature to acquire credit worthiness for themselves and earn confidence of banks for loans by providing trust as collateral. NABARD also takes lead in providing financial and other support for capacity building. RRBs and Cooperative Banks.Bank linkage model has emerged as the largest and fastest micro finance out reach programme in a cost effective manner in the world. 213 such Interventions were supported during 2008-09. Commercial banks followed by RRBs and cooperative banks also play an important role in credit linking the SHGs. 9. This has emerged as the predominant micro finance model in the country and is now a proven method of financial inclusion. sensitising and training the personnel of all the partner agencies including banks. local bodies.050 officers of rural financial institutions. Swarozgar Credit Card (SCC) Scheme The Swarozgar Credit Card scheme envisages adequate and timely credit. as at the end of March 2009. During the year 2008-09. conceptualised and launched by NABARD in 1992. Farmer Clubs (FCs) and Individual Rural Volunteers (IRVs) for promoting and nurturing quality SHGs. fishermen.33 crore. DCCBs. By handling savings and internal lending.62 12253. Savings Accounts with banks Loans disbursed Loans outstanding Bank loans disbursed to MFIs during the year Bank loans outstanding with MFIs Amount (Rs. in a flexible. service providers.to get exposure to urban markets and fine tune their product range.84 lakh cards have been issued cumulatively by banks involving a credit limit of Rs.32 5009.

18. NABARD will provide technical and capacity building support.e. 273 Village Level Federations and 14 Block Level 13 Micro-Enterprise Promotion by SHGs Support to Activity Based Groups (ABG) A scheme for supporting small-scale activity based groups was introduced during 2008-09 under which capacity building.06.39.32 crore in the previous year.1. capacity building support and marketing linkages among the SHGs. During 2008-09. Loan from banks would cover investment activities and working capital needs.467 SHGs have been promoted under phase II.040 SHGs credit linked to banks. handloom weavers. forming and credit linking 35.South Asian Poverty Alleviation Programme (SAPAP) in Andhra Pradesh in collaboration with Society for Elimination of Rural Poverty (SERP). Lucknow and Patna. With a view to fine tuning the strategies for up-scaling support to the MF sector. State Support Project on SHGs The ‘State Support Project on SHGs’ designed by the Government of Tripura and supported by NABARD was launched in December 2008.13. farmers. of which 3.21.972 SHGs were credit linked. 7.73 crore was incurred during 2008-09 on various promotional activities as against Rs. market linkage. It envisages promotion. taking the cumulative assistance sanctioned to Rs.90 lakh for 4.33.15 lakh was sanctioned by NABARD for implementing the project ‘Micro-Finance Vision 2011’ by the Government of Arunachal Pradesh. NABARD support will be in the form of grant for group formation.66 lakh was sanctioned to the Essomi Foundation Trust for setting-up a Resource Centre at Itanagar which shall provide policy. 2009. 8. Micro-Finance Vision 2011 During 2008-09. As on 31 March 2009. Federations were formed.62 lakh was released and 2. NABARD refinance is available to banks against their financing to . The project envisages promoting and credit linking of 22000 SHGs. Institutional model under UNDP . training extension services. The scheme focuses on forming and nurturing groups engaged in similar economic activities i.768. production and investment credit and market related support would be extended by NABARD. IAS Officers and government officials. Further.275. officers of commercial banks/cooperative banks/RRBs. 3. Rajiv Gandhi Mahila Vikas Pariyojana in Uttar Pradesh The Rajiv Gandhi Mahila Vikas Pariyojana (RGMVP) is a special project implemented with the initiative of Rajiv Gandhi Charitable Trust (RGCT) in select districts of UP. besides helping in designing systems and procedures for smooth implementation of the project.500 existing SHGs. Raebareli and Barabanki districts of which 3. NABARD supported conduct of number of capacity building programmes for SHG members. An expenditure of Rs.887. Capacity building of partner agencies Capacity building of stakeholders is crucial for up-scaling the SHG movement and maintaining the quality & sustainability of SHGs. 1100 cluster level association and 44 block level associations in coordination with participating banks and implementing NGOs.and supporting the existing ones.359 groups. operational inputs. fishermen craftsmen. Phase II of the project was launched on 01 January 2009.000 new SHGs and promote livelihood activities among its 3 lakh members upto 31 March 2012. an amount of Rs.378 SHGs have been credit linked to banks. three zonal workshops covering NABARD’s own staff were also conducted at Hyderabad. The project aims to credit link 11. credit linkage and federation of SHGs by replicating SHG.808 SHGs have been promoted under RGMVP in Sultanpur. a sum of Rs. Besides during the year. PRI. 7. As on 31 March.53 lakh was sanctioned to various agencies for promoting 59.478 groups. an amount of Rs. grant assistance of Rs.

RFA amounting Rs. sustainable and replicable credit delivery systems. NABARD decided to upscale the programme and continued supportive / promotional interventions.205 participants. etc.030 SHG members on location specific farm. etc. Total 11. with a view to augmenting credit flow to small.35 crore was sanctioned to four agencies taking the cumulative credit sanctioned to Rs. During the year. beekeeping. jute crafts. 564 MEDPs were conducted covering 14. Madurai (Tamil Nadu). As on 31 March 2009. marginal and tenant farmers for facilitating agriculture production and productivity. horticulture and floriculture. NABARD meets the cost of rating to the extent of cent per .) as on 31 March 2009.42. on a model neutral basis. soya-bean cultivation. North 24 Parganas (West Bengal). lantana basket weaving. The broad norms identified for supporting SHG Federations stipulate that the federations should be need based.73 crore covering 37 agencies. CARE and Planet Finance) for rating of MFIs. Pilot Project for Promotion of MicroEnterprises Launched in 2005-06 in 9 districts viz. viz. Chandrapur (Maharashtra).54 lakh was sanctioned to one Federation taking the cumulative grant assistance to Rs. Under the scheme. plate-making from arecanut.) micro-enterprises involving credit support of Rs. During the year.11. exposure visits of SHG members.44 lakh (Prov. Revolving Fund Assistance (RFA) NABARD has been selectively supporting MFIs for on-lending to the unreached poor as also experimenting with various MF models to innovate alternative. at liberty to join. non-farm and service sector activities.000 SHG members from 1100 SHGs were identified for taking up micro-enterprises cumulatively 6107 (Prov. NABARD supports them through grant and loan-based assistance from the MicroFinance Development and Equity Fund (MFDEF). Support to SHG Federations Recognising the emerging role of the SHG Federations in nurturing of SHGs. motor coil rewinding.313 MEDPs had been conducted covering 33..22. become self-managed over three years.. During the year.such activitiy based groups on similar line as in SHGs. NABARD introduced during 2007-08. as also under all of NABARD’s existing promotional schemes. crotia and chicken work. enhancing the bargaining powers of group members and livelihood promotion. mushroom cultivation. organic farming. Ajmer (Rajasthan). M-CRIL. mandap decoration. agarbattimaking. Micro-Enterprise Development Programme NABARD had launched the MicroEnterprise Development Programme (MEDP) during 2005-06 for skill upgradation and development of sustainable livelihoods/ venturing into micro-enterprises by matured SHG members. grant of Rs. tailoring.02 lakh to four Federations as at end of March 2009.535. capacity building.. member-owned/driven. screen printing. beauty parlour. Kangra (Himachal Pradesh). Puri (Orissa) and Rae Bareli (Uttar Pradesh). a flexible scheme to support such Federations. readymade garments. Support to Joint Liability Groups With successful pilot project on financing JLGs through select RRBs and PCARDB by NABARD and based on the joint study by NABARD and GTZ on the impact and potential of JLGs.6. 1. Support to the Federation is extended by way of grant for training. etc. Mysore (Karnataka). Support to Micro-Finance Institutions Recognising the role of MFIs in supplementing the efforts of the formal banking network in providing credit support to unreached clients for inclusive growth. democratically managed with members 14 Support for rating of MFIs NABARD provides assistance to commercial banks and RRBs to avail the services of rating agencies (CRISIL. ICRA. Panchmahals (Gujarat).

e. as at the end of year.21. The assistance is available for the first rating of MFIs with loan outstanding exceeding Rs. The scheme is operational across the country for one year.75 crore was sanctioned to 13 agencies taking the cumulative support to Rs. The group formation is under way. MFI not eligible for rating under the present scheme if rated earlier under scheme for financial assistance to banks for rating of MFI.500 lakh. 15 l Other Developments The NABARD-KfW programme titled ‘Financial Cooperation with IndiaCapitalization Program SEWA Bank’ being implemented in Gujarat is aimed at improving access of poor women to micro-credit on a sustainable basis. SHG-Post Office Programme The project aimed at utilising the vast network of Post Offices in rural areas in disbursement of credit to rural poor. both in rural and urban areas. November 2008. capital/equity support amounting to Rs. financial assistance is provided to MFIs to leverage capital/equity for accessing commercial and other funds from banks for providing financial services at an affordable cost to the poor. the Bank introduced a new scheme to provide grant assistance directly to MFIs for availing the services of credit rating agencies for their rating. Pilot Projects To assess the suitability of various innovative initiatives and also enhance the sustainability of MF activities.50 lakh but less than Rs.29 lakh to MYRADA for developing a software for NGOs to help them understand the functioning/performance of SHGs. Salient Features of scheme of Capital Support to Start-up MFIs l The scheme is operational through out the country for a period of one year.40 lakh has been extended to banks in respect of four agencies. NABARD will reimburse 100% of the total professional fees paid by the MFI subject to a ceiling of Rs. The project is being implemented by SEWA bank and NABARD will act as the intermediary agency responsible for providing technical support and undertaking periodic review. l l l . Capital / Equity Support Under the scheme. are eligible for support.1 lakh. and achieve sustainability in credit operations over 3 to 5 years.11 lakh as on 31 March 2009. Cumulatively 2.835 (13 accounts have been closed) SHGs have opened savings accounts. NABARD continued to extend support for various pilot projects. 3. A new scheme of capital support to Start-Up MFIs has been introduced during the year. During 2008-09. MFI (i) with a minimum loan outstanding of Rs.5 lakh for onlending to 50 SHGs in East Khasi Hills in Mizoram was sanctioned. Financial assistance for developing software-MYRADA NABARD had sanctioned Rs.11. monitoring and supervision of the project. of which 889 SHGs have been credit linked by the participating Post Offices with loan amounting to Rs. NABYUKTI can generate report relating to loans repayment performance and training-related activities and has been made available without charges to all NGO partners involved in the promotion and linkage of SHGs. rating support of Rs. (ii) seeking capital/equity support and/RFA from MFDEF and (iii) not possessing a current rating/grading report from any of the approved credit rating agencies.10. w. During 2008-09. on agency basis. Grant assistance for rating/grading available only once for any MFI. An RFA of Rs.cent of the professional fees subject to a maximum of Rs.213.50 lakh.f. l Any other incidental expenses will not be supported.00 crore covering 24 agencies as on 31 March 2009. The software.3 lakh. Cumulatively.

Germany since 1994-95 and 2000-01 respectively. technology upgradation. NABARD is implementing a number of women specific programmes. promoted by BAIF Development Research Foundation.Empowerment of rural women Ninety four percent of women workers are engaged in the unorganised sector. In Gujarat. NABARD provides 100% refinance to banks for credit extended under the scheme. known as “Development of Tribal Population” is extended by NABARD in predominantly tribal areas. scheduled castes and scheduled tribes.000 families through sustainable horticulture production and other supportive interventions like development of water 16 Support to Weaker Sections NABARD has introduced special programmes for the upliftment of weaker sections in the society like the small and marginal farmers. Special line of credit for tribals Development of Tribal Population A separate line of credit on liberal terms. Women Development Cell (WDC) To mainstream gender development and to strengthen institutional capabilities in addressing gender related issues in credit and support services. Short term credit limits are also sanctioned to cooperatives for financing collection and marketing of various types of minor forest produce by scheduled tribes. grant assistance is extended to RRBs and cooperative banks to set up Women Development Cells (WDCs). . viz. The WDCs. capacity building. etc. 13. Assistance to Rural Women for Rural Non Farm Development (ARWIND) This is a single window scheme containing credit as well as promotional components of assistance for conducting skill or EDP type of training for women. The support to set up WDCs has been liberalised to encourage banks to set up such cells. which are intended to take up activities for promoting increased credit flow to women.. assistance is provided to various aspects related to marketing like survey. Pune act as the Programme Implementing Agency in Gujarat and Maharashtra respectively. development and empowerment of women.663 tribal families have been covered under this project against the target of 10. 43 in DCCBs and 3 in SCARDB) have been supported by NABARD as at the end of March 2009. majority is in agriculture and allied activities. DHRUVA & MITTRA. Two NGOs. publicity. To bring advancement. setting up of outlets. of which. organise gender sensitisation meets and awareness programmes. Assistance for Marketing of Non Farm Products of Rural Women (MAHIMA) To support initiatives in marketing of products made by rural women. SC / ST action Plan NABARD provides 100% refinance to the banks for making available investment credit to the SC/ST population. etc. packaging. Support to Small and Marginal Farmers (SF & MF) NABARD’s refinance policy on production credit (short term loan) stipulates that banks earmark 30% of their total lending to small and marginal farmers. NABARD provides 100% refinance to banks for credit extended under the scheme. Adivasi Development Programme (Wadi Project) ‘Wadi’ (small orchard) project is implemented for upliftment of tribals in Gujarat and Maharashtra with grant support from KfW. 102 WDCs (56 in RRBs. branding. establishment of production units at the sponsoring agencies level or to set up household units with loan assistance from banks.

848 families have been covered as on 31 March 2009 as against the target of 13000 families. for achieving sustainable development of tribal families. soil and water conservation measures through people’s participation and various social sector interventions such as women development.000 poor tribal families.97 crore (with beneficiaries’ contribution at Rs.50 crore out of its profits to support developmental models for integrated tribal development. FIF is intended to support the developmental and promotional activities to secure greater financial inclusion. Uttar Pradesh Govt of India.17 crore and GoI share Rs. Developmental Initiatives – Creation of various Funds Tribal Development Fund (TDF) NABARD has created a Tribal Development Fund.500 crore each have been set up with NABARD.96 crore respectively. has been brought under wadi. 17 Financial Inclusion A significantly large section of the population still remains excluded from the basic banking services despite varied developments in the sector. An area of 12293. The Committee on Financial Inclusion set up by GoI under the Chairmanship of Dr. with a corpus of Rs.90 crore (with beneficiaries’ contribution at Rs. Assistance from the Fund is available for a range of interventions such as raising of suitable species of horticultural crops.14. As on 31 March 2009. recommended for establishment of two funds namely.14. 112 projects with NABARD commitment of Rs. Reddy’s Foundation stood at Rs 0.07 crore and GoI share at Rs. at an affordable cost..500 Below Poverty Line (BPL) families each in Sultanpur and Rae Bareli districts of Uttar Pradesh. As on 31 March 2009. The fund is being augmented from time to time and as on 31 March 2009.60 crore and Rs. The total approved cost of Rae Bareli project is Rs. 2. out of grant of Rs. Rangarajan. etc. health and sanitation. The total approved cost of the project in Sultanpur is Rs. the outstanding balances in the Fund is Rs 574 crore.30 crore respectively whereas total grant released to BAIF stood at Rs. low-income groups in backward regions and unbanked . Financial Inclusion Fund (FIF) and Financial Inclusion Technology Fund (FITF). depending on the utilisation of funds.73 crore). over a maximum period of 5 years.3. 0.16 crore and Rs. Both the projects consist of two sub-projects viz. 2. The corpus of the fund is Rs. Ø Enhanced entrepreneurial skill.39 crore were sanctioned in 19 states (including 7 in NE states) and UT of D&NH benefitting more than 93.12. Ø Reduction in migration.5. on 1 April 2004. women development. Impact of Wadi Project Ø Rise in employment opportunities. capacity building etc. In Maharashtra. Reddy’s Foundation and (ii) Multi Activity Approach for Poverty Alleviation (MAAPA) in cluster of villages through BAIF. 71 NGOs act as PIAs for these TDF projects Special Project under Swaranjayanti Gram Swarojgar Yojna (SGSY) on Livelihood Based Development in Sultanpur and Rae Bareli Districts.resources. 307.5 ha. and Ø Empowerment of women. when needed by vulnerable groups such as weaker sections and low income groups.12. Ministry of Rural Development sanctioned Special Projects under Swaranjayanti Gram Swarozgar Yojana (SGSY) on Livelihood Based Development for 11. against which 13. the total grant released to Dr.5. particularly among weaker sections.4.91 crore). to be contributed by GoI and RBI (40% each) and NABARD (20%) in a phased manner. (i) Demand Driven Skill Development through Livelihood Business advancement School (LABS) of Dr. Financial Inclusion is the process of ensuring access to financial services and timely and adequate credit.12 crores and Rs. Ø New avenues for processing activities. C. had in its report. health and sanitation.13 crore received form GoI in respect of Sultanpur and Rae Bareli projects respectively. Ø Increased production of fruits and cashew nuts.

Micro Finance Development and Equity Fund (MFDEF) The Micro Finance Development and Equity Fund (MFDEF) set up by NABARD is used for promoting micro finance through scaling up the SHG-Bank linkage programme. During 2007-08. extendable by another 2 years. non-farm and micro finance sectors 18 Projects under FITF i. The fund is to be utilised over a period of 5 years.5 crore each to these Funds. generating new accounts and business for Tripura Gramin Bank. iii. NABARD contributed Rs. FITF is to enhance the information communication technology. Services are being extended through Business Correspondent Model with the help of a biometric card and mobile device and will cover 12. Assistance is extended from Rural Innovation Fund for identifying and supporting innovative. Professional with domain knowledge and NABARD provides guidance in formulation and refinement of policy initiatives.34. unconventional experiments in farm. Pilot project to establish farmers’ service/village knowledge/ mobile credit counselling centres. Project on smart cards in Medak. R&D project for ICT solution in 15 select RRBs with support from World Bank and Technology provider. one for each Fund. Smart card based pilot project in Tirunelveli District of Tamil Nadu covering 500 SHGs (6. stimulate the transfer of research and technology. South Tripura and North Tripura Districts to function as business facilitators. risky. v. iv.115 villages. Pilot project to establish Financial Inclusion Hubs aiming at ‘e-branch’ facility offering multiple financial products & services in 10 PACS in Andhra Pradesh.396 beneficiaries in 1. opening of ‘No Frill Accounts’ of other rural households by Andhra Pradesh Grameen Vikas Bank (APGVB). extending Revolving Fund Assistance and Capital Support to MFIs and supporting various promotional initiatives/activities. .areas.90 core. During the year. Commercial Bank. Projects under FIF i. a sum of Rs.66 crore was utilised from the Fund towards micro finance related activities. Two Advisory Boards. The Advisory Board of MFDEF comprising of representatives from RBI.000 customers) to help Pandyan Grama Bank and NGOs in registering. Impact study of 100% achievement under Financial Inclusion in Kanyakumari district. Trainers’ training programme on financial literacy at Kolkata. Pilot project for capacity building of 25 Farmers’ Clubs of West Tripura. Pilot for installing four ATMs. iii. ii. was constituted by GOI for guiding and tendering policy advice on various aspects. lending and micro-financing SHGs. one in each district of Tripura by the Tripura Gramin Bank for technology upgradation to reach out to the large setment of excluded population.139. promote financial literacy and farmer education through mass media in South Malabar district of Kerala through South Malabar Gramin Bank. NABARD-SDC Rural Innovation Fund NABARD-Swiss Agency for Development and Cooperation (SDC) Rural Innovation Fund (RIF) was set up in October 2005 with an initial corpus of Rs. increase the technological absorption capacity of financial service providers and encourage an environment of innovation among stake holders aimed at promoting financial inclusion.88. ii. Mahbubnagar and Warangal districts of Andhra Pradesh to facilitate payments to the beneficiaries of NREGS and Social Security Pensioners. iv.

37 lakh by way of Soft loan.79 lakh by way of Grant and Rs. with a corpus of Rs.161. 100.67 crore. An amount of Rs. 12 proposals were sanctioned in 6 states involving financial assistance of Rs. 323. Fisheries. 5 crore was set up by NABARD in 2005 to promote innovative and feasible concepts/ projects in Agriculture and allied activities. setting up of nurseries.233. Clubs under the programme (iv) Prioritisation of technological interventions to 3 or 4 areas such as like Soil and water conservation. extension support.33 lakh was grant and Rs. These interventions are expected to result in perceptible impact at ground level. technology and products. Co-operative Banks and Regional Rural Banks in June 2008. producers groups. since inception of the fund in April 2005. development of marketable prototypes. Bio-fertilizers. 25 crore on 01 April. The Fund became operational from 01 April 2008. information dissemination linkages with market.31 lakh (Rs. 2008 with the objective of promoting transfer of technology for production enhancement and productivity in agriculture and farm related activities like Animal Husbandry. marketing etc. Village Farm Development. 138.1% and 29. workshops. Ministry of Consumer Affairs.. taking the cumulative sanctions made till end-March 2009 to Rs.64 lakh was soft loan assistance covering developmental areas such as Training cum awareness program for Farmers on Commodity Exchange. Farmers’ Technology Transfer Fund (FTTF) The ‘Farmers’ Technology Transfer Fund’ (FTTF) was set up by NABARD.pesticides and replacement of old and obsolete pump sets etc. 81.9% respectively. Key steps for identification of appropriate projects for funding support under FTTF were advised to concerned ROs highlighting areas such as (i) Identification of one compact block in each state (ii) Synergy with PPID/ VDP Programmes (iii) Centre staging of Farmers’ 19 Farm Innovation and Promotion Fund (FIPF) The Farm Innovation and Promotion Fund (FIPF) with a corpus of Rs.31 lakh as grant and Rs. system of Rice Intensification Technique (SRI).which have the potential to generate employment opportunities in rural areas. The focus of the Fund is on the rural poor and innovations which may cover processes. Protected vegetable cultivation in Villages. energy saving devices like solar technology.181.17 lakh. 61 Projects have been sanctioned involving financial assistance of Rs.48 crore was sanctioned during the year. 65 innovative projects were sanctioned taking the cumulative number of projects sanctioned to 97. Financial Package for Sugar Factories Package for Restructuring of Term Loans to Cooperative Sugar mills Govt of India. joint liability groups. Operational Guidelines on FTTF were issued to CMD’s of major Commercial banks. The share of assistance sanctioned by way of grant and soft loan stood at 70. During 2008-09 15 proposals were sanctioned in 7 states involving financial assistance of Rs. Food & Public Distribution had announced . A project Advisory Committee has been constituted at H. Efficient management of Carbon and Plant Nutrients under dry land agriculture etc. Rainfed Rabi Cropping. During 2008-09. involving Rs. improved productivity measures. spead across 22 states. production enhancement and productivity in agriculture and farm related activities like Animal Husbandry. 462. production of hybrid seed varieties. vermi composting..20. information dissemination linkages with market. through area based project proposals. Fisheries. technology. seminars and capacity building programmes by organizing farmers informal association.97 lakh of which Rs. Leveraging skills & resources of Rural Communities for creation of Livelihoods. 72 lakh as soft loan) for implementation of developmental projects envisaging technology transfer and capacity building of farming community. as on 31 March 2009. Ultra High density Orcharding in Guava.O level to recommend the proposals received under FTTF. During 2008-09. Cumulatively. Bio. Assistance from the fund is extended for promotion & transfer of technology.12. patenting. organic farming.

04. (iii) engaging the services of the implementing agency. No interest subvention is available under the scheme. etc. NGOs. The programme involves. The programme envisages developing one village in each DDM district and five villages in each of the PPID blocks. (ii) awareness creation among stakeholders. DCCBs. Ministry of Consumer Affairs. by pooling together various available resources.18 cr.2007 in to term loans upto a maximum period of 5 years without any reduction in the existing rate of interest. IFCI. NCDC. All operational Cooperative Sugar Mills in the country which had term loans outstanding as on 31 March 2005 and were commercially viable with adequate operational surplus to repay the rescheduled term loans are covered under the package.03. and Orissa (1) have since been done. banks. the programme is being implemented in 916 villages spread over 20 Scheme for Conversion of Harvesting & Transport Charges and Shortmargins to Term Loan Govt of India. etc. Scheme for Providing Financial Assistance to Sugar Undertakings 2007 GoI have notified the Scheme for Providing Financial Assistance to Sugar Undertakings-2007 for enabling sugar mills to obtain loans for a period of four years with moratorium of two years to pay their sugarcane dues at SMP fixed / to be fixed by GoI for the year 2006-07 and 2007-08 sugar seasons. and (v) preparing and implementing Village Development Plan. The harvesting & transportation charges aggregating to Rs 56. 116. SDF etc are eligible for coverage under the package. Term loans provided by SCBs. account of Harvesting & Transport Charges and Short-margins on sugar stocks as appearing in the books of the sugar mills as on 01. Food & Public Distribution had further announced conversion of outstanding loan on . Village Development Programme (VDP) The restructuring of Term Loans aggregating Rs. The Village Development Programme (VDP) introduced in 2007 aims to develop identified villages in a holistic and integrated manner by involving the local populace. NABARD has settled claims of Cooperative Banks/Commercial Banks amounting to Rs. A Village Development Committee comprising mainly of progressive villagers will take care of plan preparation. As on 31 March 2009. 1884. (iv) conducting base line survey / PRA. GoI had placed a funds with NABARD for settlement of Interest Subvention claims of financing banks under above scheme.43 crore in respect of total 89 Sugar Mills. Maharashtra (88).10 cr in respect of 7 CSMs in Karnataka & 2 CSMs in Orissa have been converted into term loan by SCBs. Commercial Banks. monitoring. governmental agencies. implementation. The term loans were restructured/rescheduled with repayment within five years for Category A and 15 years for Category B. till 31. with effect from 1st April 2005. including a moratorium of two years for payment of interest and principal. The scheme has been circulated among the Co-operative Banks by NABARD. The loans to the extent of notional excise duty payable for 2006-07 and 2007-08 sugar seasons on the total sugar production will be sanctioned to the sugar mills by banks which are providing them working capital and interest subvention to the maximum extent of 12% pa available from GoI. The rate of interest on the restructured loans has been reduced to 10% per annum. The Govt of India has agreed to provide interest subvention to the maximum extent of 3% .the revised Package on Restructuring of Term Loans of Cooperative Sugar Mills.2009. Primary Urban Cooperative Banks & other financial Institutions like IDBI. (i) identifying of a village and its socio-economic and infrastructure needs.

Farmers’ Club – Mission Development of rural areas through credit. This would include economic development. PPID was being implemented in 40 blocks across 6 states. education. etc. which was initially implemented in 5 states covering 10 blocks was expanded over the years to cover a total of 139 blocks across 16 states. Implementation of 608 Village Development Plans (VDPs) is in progress out of 690 VDPs prepared. 1982 to promote the five principles of “Development through Credit” and later in 2005 rechrischtened it as Farmers’ Club Programme by redesigning its mission as “Development of rural areas through credit. Loan installments must be repaid in time and regularly so as to recycle credit. Work must be done with skill so as to increase production and productivity. awareness and capacity building. A part of the additional income created by credit.. organic farming. During 2008-09. health. infrastructure development and other aspects of human development i. Scheme for Capacity Building for Adoption of Technology (CAT) NABARD has been implementing the ‘Scheme for Capacity Building for Adoption of Technology’ (CAT) through exposure visits and training to facilitate farmers to adopt new/ innovative methods of farming. awareness and capacity building. Following these developments. technology transfer. unless otherwise in specific cases and wherever ROs deem fit to merge PPID and VDP. they may do so under advice to HO and concentrate more on VDP. The basic objective of the programme is to organise farmers in an informal organisation to have a smooth access to credit and generate a bargaining power to deal with agriculture input suppliers and bulk produce buyers. The Project. Pilot Project for Integrated Development of Backward Blocks (PPID) The objective of PPID is to bring about integrated development of backward blocks through credit and convergence of development programmes of various agencies. vermi-culture. etc. As on March 2009. it was decided that duration of PPID will normally be restricted to 3 years only. extended under Farmers’ Technology Transfer Fund (FTTF).421 districts across 25 States.e. NGOs and progressive farmers/entrepreneurs. NGOs. The programme is conceived to be implemented primarily by Regional Offices of NABARD through DDMs. and Agriculture Universities on bioglobules. Farmers. KVKs. polyhouse technology. The remaining VDPs are in final stages of preparation. banks. The terms and conditions of credit must be fully respected. medicinal and aromatic plant cultivation. Support is 21 • • • • . However. corporate houses. Emphasis has been to expose farmers through the forum of Farmers’ Club to new technologies and agriculture practices and motivate them to adopt methods and technologies which are most suitable to their soil and geographical situation. Farmers’ Club Programme NABARD launched Vikas Volunteer Vahinee in November. must be saved. bio-manures. 116 exposure visits involving 3048 farmers were arranged in collaboration with select research institutes. Five Principles of “Development through Credit” • Credit must be used in accordance with the most suitable methods of science and technology. preferably marginal and small are taken on exposure-cum-training visits to innovative agriculture and allied sector projects where proven technologies are developed by research institutes. drinking water supply. technology transfer.” The five principles of Development through Credit aimed to instill a better understanding of credit discipline and adopt the most suitable methods of science and technology. people’s organisations and other development agencies. This would naturally require the involvement of State Government agencies (including Panchayats). PPID has been closed down in 29 blocks where it has completed three years and merged with VDP in 70 blocks. keeping in view the similarities of interventions under PPID and VDP and based on the feed back received from ROs.

NABARD has since sanctioned six community managed NRM based livelihood projects with financial assistance of Rs.34 lakh as loan and Rs.10000 crore per annum. NABARD in collaboration 22 Umbrella Programme on Natural Resources Management (UPNRM) With a view to restructuring the bilateral cooperation in the field of Natural Resource Management (NRM). It also envisages a gradual shift from grant to loan based funding modalities in bilateral collaboration. can play a proactive role in the complete process of the Kyoto Protocol Mechanism and collaborate with national and international partners to have synergy of efforts to promote sustainable development.39 lakh (Rs. taking the cumulative number of clubs to 38.5 crore ( Appx.265. As at the end of March 2009. In order to achieve this. The implementing banks have covered 7127 familities involving loan amount of Rs.516.99 lakh (Rs. 16. capacity building of human resources is the prerequisite.40.0 million has already been commissioned by BMZ (Federal Ministry for Economic Cooperation and Development. one in Chattisgarh and one integrated tourism cum handicrafts cluster in and around Santiniketan of West Bengal. to be implemented by NGOs and Producers’ Companies. four rural tourism proposals have been approved of which two are in Sikkim. management and conservation of natural resources. Federal Republic of Germany) through GTZ. Keeping this in view. CDM has the potential to increase the financial viability of the projects and incentivize the project promoters as well as financers in going ahead with such projects.4 million out of which KfW will finance upto Euro 19.17 crore.05 lakh as grant) in Bihar.0 million for capacity building. Gujarat. Technical cooperation of Euro 3. is being implemented since 2006-07 on a pilot basis in eight States. Climate Change and Clean Development Mechanism Keeping in view the operationalization of the Kyoto Protocol of United Nations Framework Convention on Climate Change (UNFCCC) in February 2005. in accordance of its Mission. The . The total estimated cost of the programme is Euro 22. 557.0 million). cooperation under the UPNRM envisages a shift from a project based approach to program based approach with growing emphasis on achieving strategic impact on development policies. Clean Development Mechanism (CDM) has emerged as the significant innovative tool for mitigating climate change and sustainable development in Indian context. product development. The programme aims at improving livelihood situation in rural areas through promoting and funding sustainable use. NABARD and the German Development Cooperation has launched a joint Umbrella Programme on Natural Resource Management (UPNRM) during 2007-08. 13. 2009. In addition. NABARD had decided to give a focused attention to rural tourism especially home based rural tourism and agri-tourism through cluster approach jointly with tourism department of the State Governments.64 lakh as loan and Rs.989 clubs were launched. etc. Rural Tourism The tourism industry is one of the larget sources of employment (with an estimated 7.41. following closure of the pilot project on 31 December 2008. to provide financial assistance for multiple activities of rural families. The programme integrates NABARD’s existing and future Indo-German NRM efforts into a stream-lined approach of participatory NRM-related interventions.35 lakh as grant) as at the end-March 2009.During the year 2008-09 total 9. Maharshtra. working on ‘family as a unit’ concept. Orissa and Tamil Nadu as on 31 March 2009. 278. NABARD. Tourism Development Corporations. under Technical Cooperation (GTZ) will finance Euro 3. NABARD-GTZ Rural Finance Programme The Gramin Tatkal Scheme (GTS) formulated in coordination with GTZ. Private Tourist Operators and the Rural Community.215 covering 87. The implementation and impact of the scheme are under review.724 villages in 589 districts as on 31 March. Euro 3. Information knowledge management (IKM). The cumulative disbursement under UPNRM was Rs.4 million and NABARD will contribute Rs.8 million workers employed directly and over 18 million indirectly) with gross total receipt of more than Rs.

agriculture. small and other farmers..10. Rs. GOI would reimburse Rs. A massive watershed project. Some of other initiatives taken in this regard include: l l Conducted a study on the opportunities for CDM in Agriculture sector in India. Generation of rural employment and sustainable livelihood through cattle development project in Eastern Uttar Pradesh and Bihar The Cattle Development Projects of GoI aim at providing gainful employment to rural poor through animal husbandry and live stock development. term production loans (subject to a ceiling in respect of plantation and horticulture) and installments of investment loans overdue are covered. they are extended one time settlement under which a rebate of 25% of the eligible amount is given on the condition that the farmer pays the balance 75% in three instalments.29724 crore received from SCB. short 23 . Pune.16615 crore was disbursed to banks as at end-March 2009. During the year 2008-09.1361 lakh each allocated. 2008 The Union Budget for 2008-09 announced a scheme to address the indebtedness of farmers and the difficulties of the farming community. agribusinesses and rural infrastructure sector as far as climate change is concerned.33 lakh were released for Uttar Pradesh and Bihar respectively taking the cumulative disbursement to Rs.with GTZ-New Delhi has conducted series of sensitization and training programmes for its staff. The first phase of the study has already been completed wherein the feasibility of the Bio-carbon fund has been established. Maharashtra. especially small and marginal farmers.35368.706 crore. cumulatively Relief Package for distressed districts The Hon’ble Prime Minister announced a special package for 31 distressed districts in 4 states viz. ensuring its utilisation. area has been taken up for implementation taking the cumulative area to 5. Kartnataka and Kerala.31 crore from Cooperative Banks and RRBs. Andhra Pradesh. SCARDB and RRB. covering an area of 15. Bankers and NGOs on climate change and clean development mechanism. The scheme covers direct agricultural loans to marginal. The scheme would benefit 192.97 lakh and Rs. It is being implemented by BAIF. NABARD has taken up initiatives to fund climate change adaptation projects in Maharashtra in collaboration with NGO. 1.000 ha annually. out of Rs. in 2007. project supervision and monitoring.887. NABARD is the co-ordinating agency and facilitator for channelising funds. of which. The implementation of the package is coordinated by NABARD.89 crore each.845.90 lakh ha. an amount of Rs. while in the case of the other farmers.30999. The implementation of the scheme is monitored and coordinated by NABARD in respect of Cooperative Banks and Regional Rural Banks. As against the claims of Rs.59 lakh farmers (SF and MF – 160.77 lakh and other farmers – 31.14 crore. In the case of small and marginal farmers.23 lakh as on 31 March 2009. During 2008 – 09.47 lakh and Rs.88 lakh ha. an amount of Rs. with total commitment of Rs. So far. in 13 districts of Bihar and 17 districts of Uttar Pradesh since 2004-05 for a period of five years. over a period of three years in each of the distressed districts is under implementation on a full grant basis from Watershed Development Fund. Agricultural Debt Waiver and Debt Relief Scheme.142.82 lakh) who had availed loans amounting Rs.161. A feasibility study on setting up Bio Carbon Fund has been assigned to Zenith Energy and First Climate with financial support from GTZ under UPNRM. The study has recommended that fund should cater to LULUCF (land use land use change and Forestry). NABARD is in the process of establishing a Bio-carbon Fund in close collaboration with GTZ for taking up green projects for climate change mitigation and adaptations.

3. unseasonal rainfall. to enable such participants to deliver their goods on the exchange platform.94 crore as on 31. The duration of both the projects. within 50 km. All food crops (cereals. millets. The scheme is applicable to major cereals. viz. To strengthen the marketing infrastructure in the country.. The objective of NAIS is to protect both the loanee and non-loanee farmers. banana and pineapple are covered under the scheme. economic and ecological stability.19. etc. oilseeds and annual commercial/horticultural crops grown during Rabi season. which accounts for ninety five per cent of the trading volume. injury. National Project on Organic Farming Organic farming. An important development during the year was that the Forward Market Commission has permitted NCDEX to accredit the warehouses of producers/processors and similar participants. has been released by GoI under the Projects. sugarcane. pulses.60 crore was extended covering 607 borrowers in eight State and refinance of Rs. of the municipal limits of the delivery centres. without any ceiling on the land holdings. etc. National level commodity exchanges NABARD’s participation Commodity market offers a market based instrument to the farming community for managing risks and uncertainty in a liberalised environment.. Thirty per cent of the paid up capital of Rs. To encourage organic farming. Rs.83 crores covering 548 borrowers. NABARD has initiated various measures in the following areas: Short term credit To enable State Cooperative Banks and RRBs avail refinance for ST-SAO purposes. Financing purchase of land for agricultural purposes The scheme for ‘Financing Purchase of Land for Agricultural Purposes’ under implementation since August 2001 aimed to provided credit facility to SF/MF. (AICI) was established in December 2002 with an authorised capital of Rs. The scheme aims to mitigate the hardships of the insured farmers against the likelihood of financial loss on account of anticipated loss in crop yield resulting from adverse incidence of high/ low temperature. has been extended up to 30 June 2010 by GoI without any additional financial assistance. Agricultural Insurance Agriculture Insurance Company of India Ltd. During 2008-09. millets and pulses) oilseeds and eleven annual horticultural / commercial crops. ginger. 416 units have been sanctioned with subsidy of Rs.200 crore has been subscribed by NABARD and the remaining by five public sector general insurance companies.. which expired in February 2009.16. at present. The “National Agricultural Insurance Scheme” (NAIS) is implemented by AICI. is fast gaining momentum. NABARD has been an equity partner in the major national level commodity exchanges.1500 crore. jute. Both NABARD and National Cooperative Development Corporation are the implementing agency. potato. capacity building for adoption of appropriate technology and also organic ventures. Since inception. MultiCommodity Exchange (MCX) and National Commodities and Derivatives Exchange (NCDEX). chilli. . and restore credit worthiness for the ensuing cropping season. subsidy based National Project on Organic Farming in operation since 2005 was extended upto 2008-09. As per the recommendations of the Expert Group of the World Bank to introduce a weather based crop insurance scheme. in the context of sustainable agriculture. viz. against losses suffered on account of crop failure due to natural calamities.11.as on 31 March 2009.2009. turmeric. onion. frost. An amount of Rs. National Agricultural Insurance Scheme (NAIS) is implemented in 23 states and 2 Union Territories. GoI has launched ‘Weather Based Crop Insurance Scheme (WBCIS)’ on pilot basis in selected states covering Rabi 2007-08 and Kharif 2008 for the purpose of having a balanced view of the impact of this scheme.25 crore was earmarked as subsidy for the purpose.40. cotton. share croppers/tenant farmers for purchase of agriculture land. 24 Development of North Eastern Region (NER) – Initiatives To facilitate larger flow of credit and for the development of North Eastern Region and Sikkim. tapioca.

other states the process of amendment of Act is underway. has been an area of focused attention for NABARD.5% as in other parts of the country. An additional 5 to 15 percentage points relaxation for assessing eligible quantum limits was extended to both SCB and RRB. In the case of Cooperative Banks and RRBs. Strengthening these institutions.16. Out of eight states. Shillong. 72. the fund was utilized to the extent of Rs. In . Collaboration with Tata Tea In pursuance with the MoU between NABARD and Tata Tea Ltd.12 lakh was released to IIBM. only Sikkim and Tripura have amended the Act. the interest rate on refinance continued to be 8. Rural Infrastructure Development Fund To facilitate creation of infrastructure facilities under RIDF. SHGs from States in the NER and Sikkim. The rate of interest on refinance for commercial banks in NER and Sikkim was fixed at 50 basis points lower than in other part of the country. The training centre has started production of cloth and is in the process of providing marketing tie-up for its products. the following policy changes have been effected by NABARD: i. Bangalore. The travel cost of participants from cooperative banks is subsidised by NABARD to enable them to attend training programmes at National Institute of Rural Banking. To improve the health of these RFIs. Grant assistance for promoting and nurturing of SHGs by NGO SHPIs working in the hilly districts of NER fixed at Rs. Four looms in the training centre are earmarked exclusively for imparting training to the identified weavers.80 lakh with NABARD during the year (Rs.5. Financial Sector Plan Based on the recommendations of the Committee on Financial Sector Plan for North Eastern Region. Investment credit The eligibility criteria for drawal of refinance under investment credit was relaxed by 5 and 3 percentage points for SCBs and RRBs respectively in respect of NPAs. grant support is extended to Indian institute of Bank Management (IIBM).000/.NABARD relaxed its NPA norms by 5% points.per SHG. 60 lakh released upto March 2009) to facilitate miscellaneous training interventions involving government/ bank officials.. promotional and capacity building measures in the managerial and financial areas have been initiated by NABARD. Guwahati and Manpower Development and Management Institute. An amount of Rs. Shillong under the Ministry for Development of NorthEastern Region (DoNER) parked a fund of Rs. As on 31 March 2009. 25 Revival of the Short Term Cooperative Credit Structure All the eight states in the North Eastern Region have accepted the reforms package announced by GoI based on Vaidyanathan Committee recommendations and executed MoU to strengthen the short term cooperative credit structure. Guwahati as NABARD’s share. The North-Eastern Council (NEC). Institutional Development Rural Financial Institutions (RFIs) have a critical role in dispensing credit to agriculture and allied sector. especially in the Cooperative Credit Structure and the Regional Rural Banks. Tata Tea has established a training-cum-production centre with 11 looms with 3 jacquards and 1 dobby and residential building for trainees for development of “boro design” by imparting training to boro women. A strong and viable rural institutional credit frame work is vital for the growth of rural economy. various developmental. ii. NABARD extended 90% of the eligible project cost for roads and social sector projects as against 80 and 85 percent respectively in rest of country.35 lakh. Mobilisation advance was also extended at 30% of the RIDF loan. Training of personnel To upgrade the skill of rural financial institutions. The loan is phased over a period of five years for major/medium irrigation projects and for four years for other projects compared to three years given to other states. Minimum number of members in a Self Help Group relaxed to 5 in the hilly districts of NER for consideration of refinance and grant assistance from NABARD. NGOs.

3. was prepared in English. Faculty Members of RICMs/ICMs/ ACSTIs were trained at BIRD. The programme was launched on 16 February 2009.73 crore. the Bye-laws framed there under and model Bye-laws spell out the duties. During 200809. business diversification. According to the data available from 13 States. publicity to Kisan Credit Card (KCC) scheme. Similar training programmes for the senior officers 26 Organisation Development Initiatives (ODI) Organisation Development Initiatives is a re-engineering process which facilitates to achieve the mission of the organisation. reading material covering subjects such as good governance in Cooperative Banks.77. computerisation. Lucknow to handle the massive training programme.3. Development Action Plan and Memorandum of Understanding (DAP-MoU) NABARD has been preparing institution specific Development Action Plans (DAP) and executing Memorandum of Understanding (MoU) to enable cooperative banks and RRBs function as viable and sustainable entities since 1994-05. DCCB and enter into MoU with it. The disbursement during 2008-09 was Rs. The recent developments. taking the cumulative disbursements to Rs. This was effective from 1 April 2008. To provide qualitative input to the participants. As on 31. The revised/ modified Phase IV of DAP/MoU for both ST and LT structure covers the period 2007-08 to 2011-2012. ODI is being conducted by NABARD since 199495 in RRBs and Cooperative Banks as a tool to improve their financial health by involving the human resources of the organisation. 22 ROs have formed SLTF in their states. it was decided to have a single high powered ‘State Level Task Force’ (SLTF) for effective monitoring of performance of cooperative banks on quarterly basis. The revised initiative in respect of cooperative banks is now known as “Business Revitalisation and Managing Human Aspirations” (BRAMHA). Loan policies and documentation. Other Initiatives Capacity Building of STCCS The Boards of Directors of Cooperative Banks have the responsibility of overseeing the performance of the bank’s operations and ensuring that they function in accordance with the guidelines issued by the RBI/NABARD/ GoI/State Government and achieve the objectives set before them.Cooperative Credit Structure Cooperative Development Fund (CDF) Cooperative Development Fund was constituted in 1992-93 for supporting various developmental activities like infrastructure development of Primary Agriculture Credit Societies (PACS). understanding the health of Cooperative Banks etc. Financial Inclusion. functions and obligations of directors of these banks. The corpus of the fund was at Rs. To familiarise them with the recent developments in banking in general and cooperative banking in particular and also to make them understand their roles and responsibilities in view of implementation of Vaidyanathan Committee I and Government of India ADWDR scheme 2008. methodology and objective of ODIs focusing on sustainable viability. So far 196 members of Board of 39 DCCBs and one SCB have been trained in 12 programmes (upto 31 March 2009). PACS were included into the process during Phase III. vehicles for loan recovery works.81crore. 10 ODIs for RRBs and 5 BRAMHAs for Cooperative Banks were conducted. In order to make it more focused and effective. The various Cooperative Societies Acts. etc.. The fund is replenished out of its profits every year by NABARD. role and responsibilities of Directors. viz. 28915 PACS have signed MoU with their respective DCCB. 2000-01 to 2003-04 (Phase II) and 2004-05 to 2006-07 (Phase III). PACS were advised to prepare viability action plans under the guidance of respective . NABARD has taken initiative for capacity building of the Board of Directors of DCCBs/SCBs through training interventions. human resource development. Considering the need for a common and more effective forum. amalgamation of RRBs and adoption of revival package of GoI for short-term cooperative credit structure necessitated revising the design.125 crore as on 31 March 2009.2009. risk management. Hindi and other languages. The process was executed in three phases from 1994-95 to 1999-2000 (Phase I).

by amalgamating RRBs of the same sponsor bank in the State in September 2005. is supported by funds from World Bank. as at the end of March 2009. submitted its . had announced recapitalisation by providing capital support. In this context. the Hon’ble Finance Minister.41 crore. deployment. a PublicPrivate Partnership model.BC. RRB should fulfill the following conditions: It should not have defaulted in maintenance of SLR and CRR during the last two years. As on 31 March 2009.I) for the STCCS. R & D Project on Financial Inclusion with ICT solution The Committee on Financial Inclusion (FI) headed by Dr.1783. 15 RRBs were identified from 14 States for an R & D project on Financial Inclusion with ICT based solutions through use of smart cards.RRB. Executive Director. 61/03.795. which had negative net worth as on 31 March 2007. POS devices and mobile technology in different regions and client groups in the country. also vary from State to State. Accordingly. two meetings of the Working Group were organised. The project. to 27 RRBs. the systems and procedures etc.II for LTCCS by the States in the near future. in consultation with State Governments and Sponsor Banks. constituted under the Chairmanship of Shri Amaresh Kumar. Against this background. During the year 2008-09.No. the concerned State Governments and Sponsor Banks in the ratio of 50:15:35. RPCD.CO.97 crore to be contributed by GoI.05. skill upgradation.K. NABARD constituted a Working Group under the Chairmanship of Shri S. 11 were amalgamated and 16 were stand-alone. The level of automation / computerisation. stands at 86 including 41 standalone RRBs. Agriculture Debt Waiver and Debt Relief Scheme 2008 of Government of India. Against this. 26 RRBs have been 27 Working Group on Capacity Building Requirements of RRB Personnel The Working Group on Capacity Building Requirements of RRB personnel. Human Resource Policy for Cooperative Credit Structure – Constitution of Working Group With the implementation of recommendations of Vaidyanathan Committee (VC . ED. the Cooperative Credit Structure will face new tasks and challenges. NABARD to address among other things. in the Union Budget 2007-08.1. The Committee had recommended for taking up 10 pilot projects by RRBs with ICT solutions. In view of requests made by the RRBs for relaxing the norms for branch licensing. Capital Infusion of RRBs As part of financial strengthening of RRBs. C Rangarajan had identified 256 districts as the most excluded in the country. and back end incentive from NABARD under its Financial Inclusion Fund. with total funding support of Rs. the norms for requirment / promotion / training / level of computerisation in cooperative banks and suggest a rationalised policy. promotion.and branch managers of SCBs and DCCBs and also CEOs of SCBs / DCCBs are being designed in consultation with BIRD. the RRBs had planned to open 758 branches. its net worth should show improvement and its net NPA should not exceed 8 per cent. the number of RRBs. it was observed that there was no uniformity in the recruitment. to become eligible for opening new branch/es. Mitra. 58 RRBs are operating in these districts. Amalgamation of Regional Rural Banks (RRBs) Government of India initiated the process of structural consolidation. The funding requirement was Rs. Of the 27 RRBs. Now.90-A/ 2008-09 dated 17 November 2008. allowing the RRBs greater flexibility in opening new branches as long as they are making profits and their financials are improving. capacity building of the various categories of staff employed in the Cooperative Credit Structure. and the likely acceptance of VC . Branch Expansion Programme of RRBs Since announcement in the Union Budget for 2007-08. RBI had reviewed the policy vide Circular No. fully recapitalised and one RRB has been recapitalised partially. Lucknow. 241 branches were opened during 2007-08 and 474 branches in 2008-09 totalling 715 during the last 2 years period. As a result. It should be making operational profit.

international bodies. State Governments. etc. BIRD.01 lakh during 2008-09. plantation and horticulture.69 crore. agricultural operations and rural development. Research Institutes. etc. agrimarketing. conduct of seminars and other related activities on matters of importance to .report to GoI. studies. micro credit. RRBs. managerial efficiency and compliance to various statutory provisions so as to protect the interest of the depositors and stake holders. Twelve research projects/ studies on different subjects like economic reform and tribal poverty. NGO’s and other agencies across the country for organizing seminar.77. The concerns brought out through inspections are communicated to the banks concerned. bio-technology.60 lakh was sanctioned to Universities. Sponsor Banks. commodities futures.V. training. DCCBs and RRBs and voluntary inspection of SCARDBs and apex non-credit cooperatives are undertaken by NABARD. two papers titled “Financial inclusion – An Overview” authored by inhouse staff and “Hi-Tech Floriculture in Karnataka” by Shri M. Banks 31 (Scheduled 16) 370 (Licenced-75) 86 18 NABARD Consultancy Services (NABCONS) NABARD Consultancy Services Pvt. which provides guidance/suggestions in respect of policies and on matters relating to supervision. yield gap analysis of select crops. and Rural Devt. rural poverty and vermi-technologies were sanctioned with a total grant assistance of Rs. Banks under NABARD’s supervision State Cooperative Banks District Central Cooperative Banks Regional Rural Banks (as at August 2009) State Cooperative Agri. Grant assistance of Rs. fisheries. rural infrastructure. NABARD. Off-site surveillance of the cooperative banks and RRBs is also undertaken through various returns submitted by these banks and appropriate warning signals are issued so as to enable the banks to take corrective measures. Action is being initiated for implementing the recommendations involving various agencies viz. agriculture. It is now an established professional consultancy service provider in the field of agriculture and rural development and allied activities. The affairs of NABCONS are professionally managed and its board has the Managing Director of NABARD as Chairman. The objectives of NABARD’s inspection are to assess the financial and operational soundness. agri-extension. For increased dissemination of research findings in the areas of agriculture and rural development. The services of NABCONS are contracted by various agencies including Government of India. Ltd (NABCONS) was registered as a wholly owned subsidiary of NABARD in November 2003.76 crore was utilized from the Fund during 2008-09 and the cumulative disbursement at the end of March 2009 stood at Rs. Srinivasa Gowda were completed. workshop and symposia covering subjects like farm business economics. State Governments and sponsor banks in respect of RRBs. agro processing and value addition. During the year. banks. Supervision The statutory inspections of SCBs. An amount of Rs.87. publication of Occassional Papers is also supported by NABARD.8. conference. micro-credit.108. NABARD has constituted a Board of Supervision as an Advisory Committee to the Board of Directors of NABARD. 28 Research and Development NABARD has constituted a Research and Development Fund for supporting activities like research projects. corporate entities and individuals in a wide range of fields and purposes. RCS.

Borrowings from GoI. J 29 .64 crore. 907 Sources and Uses of Funds The total assets of NABARD as on 31 March 2009 were Rs. Foreign Currency Loans and Market Borrowings. Out of the surplus available for appropriation.85%.2009. Surplus after tax for the year 200809 worked out to Rs.340 crore has been made to the Special Reserve Fund created in terms of Section 36(1)(viii) of Income Tax Act.15980 crore during the year 2008-09.7051 crore for the year ended 31. The percentage of net Non-Performing Assets to Net Loans and Advances is minimal at 0.2009 increased by Rs.1390 crore. Further. RIDF Deposits. The increase in outstanding in respect of bonds and borrowings and RIDF deposits including tea deposits aggregated to Rs.3. The loans and adances of NABARD outstanding as on 31. The gross income of NABARD amounted to Rs. NRC(Stablisation) Funds.400 crore has been transferred to National Rural Credit (LTO) Fund to be utilized to provide refinance for investment purposes and Rs. Free Reserves.10 crore has been transferred to NRC (Stabilisation) Fund.3. Capital to Risk Weighted Assets Ratio (CRAR) of NABARD as at the end of March 2009 was 25.NABCONS has so far contracted assignments worth Rs.118176 crore and the owned funds were Rs.1988 crore.2009 and the surplus before tax was Rs. a sum of Rs. NRC(LTO). contribution to the extent of Rs.51.15224 crore. NABARD’s resource base comprises of its Capital.3.03% as on 31.27106 crore (including NRC-LTO and Stablisation Funds). 1961 apart from appropriation to the other funds.

97 31 March 2009 1 US$ = Rs.706 23.016 13. 39.195 24.176 98.95 * rounded off 30 .616 30.615 1555 482 1816 181 244 354 500 498 1544 106 1422 0 0 370 2500 508 23. & MCX Ltd.192 24.700 47.023 30.695 TOTAL 6543 49 9 8953 16 48 413 8106 73 7 7668 17 64 671 45. Crore) 2009 13. h) NABCONS i) j) k Mutual Fund BVF APIDC V Investment Commercial Paper 1555 157 16 1 48 60 6 5 1000 5 143 1422 260 16 1 48 60 6 5 760 4 0 305 31 3 0 9 12 1 1 196 1 28 12 15 2 1 190 1 0 356 65 4 Uses of Funds As at end March (Rs.176 98. Rural Credit Fund Other Liabilities Other Funds 2000 9535 2008 2000 8603 As at end March (US $ million) 2009 393 1871 2751 305 95 4652 356 36 48 69 98 98 9229 907 840 1446 2008 500 2152 3406 386 27 7180 356 0 0 93 625 127 7654 0 773 1415 Cash and Bank Balances Collateralised Borrowing and Lending Obligation Investments in a) GoI Securities b) Treasury Bills c) ADFC Equity d) AFC Equity* e) SIDBI Equity f) AICI Ltd g) NCDEX Ltd.706 23.335 32.401 290 27 66 257 2681 g) Other Loans h) RIDF Loans i) Co-finance Fixed Assets Other Assets TOTAL 118.896 17. 50.593 4622 4279 7367 0 3089 5656 Loans and Advances a) Production & marketing Credit b) Conversion of Production Credit into MT Loans c) Liquidity Support d) MT Investment Credit (Non Project)* f) LT Non Project Loans 252 48 94 247 2106 16.NABARD at a Glance Sources of Funds As at end March (Rs.695 Exchange rate 31 March 2008 1 US$ = Rs.649 118.704 28.381 20 118 3316 4 4349 30 2591 1940 0 509 485 e) MT & LT Project Loans 33.842 133 2008 9850 464 As at end March (US $ million) 2009 2717 26 2008 2464 116 14. Crore) 2009 Capital Reserves and Surplus NRC (LTO) Fund NRC (Stabilisation) Fund Deposits Bonds and Debentures Certificate Deposits Commercial Paper Term Money Borrowings Borrowings from GoI Borrowings from Commercial Banks Foreign Currency Loan RIDF Deposits Short Term Coop.

Outstantioned ding 2 1658 1880 1733 1901 2009 2699 3362 3904 4135 4223 4447 4748 5770 6667 7023 7140 8083 8169 8595 8701 8763 9954 11260 12080 16089 18291 19627 192911 3 1231 1259 1251 1339 1370 1841 2487 2988 3103 3104 3614 3694 4802 5340 5702 6000 6340 6746 7011 7295 7038 6967 9451 10769 14168 16352 17212 158474 4 703 892 1061 1192 1334 1482 1270 1702 1902 2054 2359 2745 3011 3064 3523 3922 4521 5215 6158 6683 7419 7605 8577 8622 8795 9046 10535 115392 5 1934 2151 2312 2531 2704 3323 3757 4690 5005 5158 5973 6439 7813 8404 9225 9922 10861 11961 13169 13978 14457 14572 18028 19391 22963 25398 27747 273866 Medium term (including Conversion) 6 108 73 90 132 236 343 316 135 233 129 279 78 151 85 70 288 393 58 130 316 19 230 808 1806 60 266 0 6832 Total (5+6) Loans to State Government * 8 13 9 9 7 12 88 45 30 28 29 24 31 75 108 77 140 41 49 61 50 28 85 11 47 16 18 18 1149 387 1087 1009 1313 2278 3177 3790 4103 3922 4317 5953 6223 8035 10459 56053 RIDF loans to State Government 9 Grand Total (7+8+9) 1 1982-83 1983-84 1984-85 1985-86 1986-87 1987-88 1988-89 1989-90 1990-91 1991-92 1992-93 1993-94 1994-95 1995-96 1996-97 1997-98 1998-99 1999-2000 2000-2001 2001-2002 2002-2003 2003-2004 2004-2005 2005-2006 2006-2007 2007-2008 2008-2009 Total 7 2042 2224 2402 2663 2940 3666 4073 4825 5238 5287 6252 6517 7964 8489 9295 10210 11254 12019 13299 14294 14476 14802 18836 21197 23023 25664 27747 280698 10 2055 2233 2411 2670 2952 3754 4118 4855 5266 5316 6276 6548 8039 8984 10459 11359 12608 14346 16537 18134 18607 18809 23164 27197 29262 33717 38224 337900 Investment refinance includes Medium Term Loans Refinance / Financial support from NABARD .in/referenceratearchive. Crore) Year Short term refinance InvestTotal ment refinance Limit Maximum refinance (3+4) sanc.aspx ) 1 crore = 10 million 31 .org. 50.1 US $ = Rs.Refinance / Financial support from NABARD ( 1982-83 to 2008-09 ) (Rs.2008-09 in million US $ 2008-2009 3852 3378 2068 5446 0 5466 4 2053 7502 * Share capital contribution to cooperatives Exchange rate .95 (Source : rbi.

State-wise Refinance / Financial support from NABARD ( 2008-09 ) (Rs. MT & Loans to State Government for contribution to Share Capital of Cooperatives 32 . Lakh) Sr. No. Daman & Diu Maharashtra SOUTH ZONE Andhra Pradesh Karnataka Kerala Lakshadweep Pondicherry Tamil Nadu Total 1275 86253 1723012 97863 188258 55898 178754 105154 55 58722 1353 85854 1053529 84607 1045864 108100 45387 20592 384717 338799 76545 58722 2628 256714 3822405 118145 62817 39 33050 1701 44885 88454 6550 87430 39 184321 8251 250460 22659 145972 167919 8524 10100 48809 90861 2832 11320 75223 72977 19213 44079 270004 331757 30569 10935 699 76495 35158 10561 5468 41094 52176 1000 49517 31998 36631 52606 71013 38165 154220 139940 1000 94 388 50 848 80 9564 605 755 3394 296 2320 403 8484 20000 140 4139 1399 5718 4754 3999 8614 30412 745 5282 4793 6014 7074 4496 156689 6253 585 333717 145518 7131 6397 82067 26907 2300 81934 56908 28561 22000 41065 45000 70000 7131 6397 267317 55160 43950 460651 272426 Production Credit $ Investment Credit RIDF Total $ Includes credit for ST(SAO). ST-Others. 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 Name of the State / Union Territory NORTH ZONE Chandigarh New Delhi Haryana Himachal Pradesh Jammu & Kashmir Punjab Rajasthan NORTH EAST ZONE Arunachal Pradesh Assam Manipur Meghalaya Mizoram Nagaland Tripura Sikkim EAST ZONE Bihar Jharkhand Orissa West Bengal Andman & Nicobar CENTRAL ZONE Chhatisgarh Madhya Pradesh Uttar Pradesh Uttarakhand WEST ZONE Dadra Nagara Haveli Gujarat Goa.

List of Districts where DDM offices (395) are located ANDHRA PRADESH (21) Adilabad Ananatapur Chittoor East Godavari Guntur Kadapa Karimnagar Khammam Krishna Kurnool Mahbubnagar Medak Nalgonda Nellore Nizamabad Prakasam Srikakulam Visakhapatnam Vizianagaram Warangal West Godavari ASSAM (17) Barpeta Bongaigaon Cachar Darrang Dibrugarh Goalpara Golaghat Jorhat Karbi Anglong Kokrajhar Lakhimpur Morigaon Nagaon Nalbari Sibsagar Sonitpur Tinsukia BIHAR (24) Begusarai Bhagalpur Bhojpur Darbhanga East Champaran Gaya Gopalgunj Jehanabad Katihar Kishanganj Madhubani Munger Muzaffarpur Nalanda Nawada Purnea Rohtas Samastipur Saran Saharsa Sitamarhi Siwan Vaishali West Champaran CHHATTISGARH (11) Bastar Bilaspur Dhamtari Durg Jhanjgir Champa Kanker Korba Mahasamund Raigarh Rajnandgaon Surguja GOA (1) South Goa GUJARAT (20) Amreli Anand Banaskantha Bharuch Bhavnagar Dahod Jamnagar Junagadh Kheda Kutch Mehsana Navsari Panchmahal Patan Rajkot Sabarkantha Surat Surendranagar Vadodara Valsad HARYANA (16) Ambala Bhiwani Faridabad Gurgaon Hisar Jind Karnal Kurukshetra Mahendergarh Mewat Panipat Rewari Rohtak Sirsa Sonepat Yamunagar HIMACHAL PRADESH (9) Chamba Hamirpur Kangra Kinnaur Kullu Mandi Sirmour Solan Una JAMMU & KASHMIR (2) Kathua Udhampur JHARKHAND (16) Bokaro Chatra Deogarh Dhanbad Dumka East Singhbhum Garhwa Giridih Godda Gumla Hazaribagh Koderma Lohardaga Palamau Sahibganj West Singhbhum KARNATAKA (23) Bagalkot Belgaum Bellary Bidar Bijapur Chamarajanagar Chikmagalur Chitradurga Dakshina Kannada Davangere Dharwad Gadag Gulbarga Hassan Haveri Kodagu Kolar Mandya Mysore Raichur Shimoga Tumkur Uttra Kannada KERALA (13) Alappuzha Ernakulam Idukki Kannur Kasargod Kollam Kottayam Kozhikode Malappuram Palakkad Pathanamthitta Thrissur Wayanad MADHYA PRADESH (27) Balaghat Betul Chhindwara Dewas Dhar Guna Gwalior Hoshangabad Indore Jabalpur Jhabua Khandwa Khargone Mandla Mandsaur Morena Narsinghpur Ratlam Rewa Sagar Satna Shahdol Shajapur 33 .

) Shivpuri Tikamgarh Ujjain Vidisha MAHARASHTRA (30) Ahmednagar Akola Amravati Aurangabad Beed Bhandara Buldhana Chandrapur Dhule Gadchiroli Gondia Jalgaon Jalna Kolhapur Latur Nagpur Nanded Nasik Osmanabad Prabhani Raigad Ratnagiri Satara Sangli Sindhudurg Solapur Thane Wardha Washim Yavatmal MANIPUR (1) Churachandpur MEGHALAYA (2) West Garo Hills Jaintia Hills ORISSA (23) Balasore Bargarh Bhadrak Bolangir Cuttack Dhenkanal Ganjam Gajapati Jagatsinghpur Jajpur Kalahandi Khandamal Kendrapara Keonjhar Koraput Mayurbhanj Malkangiri Nabarangpur Nayagarh Puri Rayagada Sambalpur Sundergarh PUNJAB (15) Amritsar Bathinda Fatehgarh Sahib Ferozepur Gurdaspur Hoshiarpur Jalandhar Kapurthala Ludhiana Mansa Moga Muktsar Patiala Rupnagar Sangrur RAJASTHAN (24) Ajmer Alwar Banswara Baran Barmer Bharatpur Bhilwara Bikaner Bundi Chittorgarh Dausa Hanumangarh Jalawar Jhunjhunu Jodhpur Kota Nagaur Pali Rajsamand Sawai Madhopur Sikar Sirohi Sriganga Nagar Udaipur TAMILNADU (28) Coimbatore Cuddalore Dharmapuri Dindigul Erode Kancheepuram Kanyakumari Karur Krishnagiri Madurai Nagapattinam Namakkal Perambalur Pudukkottai Ramanathapuram Salem Sivagangai Thanjavur Theni Tiruchirapalli Tirunelveli Tiruvannamalai Tiruvarur Tuticorin Vellore Villupuram Virudhunagar Pondicherry TRIPURA (1) South Tripura UTTAR PRADESH (46) Agra Aligarh Allahabad Azamgarh Baghpat Bahraich Ballia Banda Barabanki Bareilly Basti Bijnore Budaun Bulandshahar Deoria Etah Etawah Faizabad Farrukhabad Fatehpur Ghaziabad Ghazipur Gonda Gorakhpur Hardoi Jalaun Jaunpur Jhansi Kanpur Lakhimpur Lalitpur Mathura Mau Meerut Mirzapur Moradabad Muzzafarnagar Pilibhit Pratapgarh Raebareli Saharanpur Shahjahanpur Sitapur Sultanpur Unnao Varanasi UTTARAKHAND(8) Almora Haridwar Nainital Pithoragarh Tehri Garhwal Udham Singh Nagar Pauri Garhwal Uttarkashi WEST BENGAL (16) Bankura Bardhaman Birbhum Coochbehar Dakshin Dinajpur Darjeeling Hooghly Jalpaiguri Malda Murshidabad Nadia North 24 Parganas Paschim Medinipur Purba Medinipur Purulia Uttar Dinajpur SIKKIM (1) South Sikkim 34 .List of Districts where DDM offices (395) are located (contd.

in NAGALAND 4th Flr.org BIHAR Maurya Lok Complex. 4th & 5th floor.org : nabpbl@sancharnet.org / pat_nab@dataone. Tel No. : (0832) 2220490. : (0361) 2235657 E-mail : guwahati@nabard. Arera Colony. Raipur 492 009 Tel No. 2343428 Fax No. Panaji 403 001 Tel No. Karamtoli Road. 25542090 Fax No. Bangalore 560 002 Tel No. : (0389) 2346119. Lamphelpat Imphal 795 004 Tel No. : (080) 22222148 E-mail : bangalore@nabard. Post Box No.org MADHYA PRADESH E-5. Opp. Dispur. : (0755) 2463369. : (0127) 5046784 E-mail : haryana@nabard. Port Blair 744 101 Tel No. Municipal Garden.in CHHATTISGARH 1&2nd Floor. 2420504. Opp. Road. : (079) 27552257-58-59 Fax No. Jammu 180 012 Tel No. : (0612) 2238424 E-mail : patna@nabard. : (040) 27611829 E-mail : nabapro_hyd@dataone. : (0177) 2624160. Dimapur 797 112 Tel No. : (0364) 2227463 E-mail : nabsh@sancharnet. Fafadih Chowk.org GUJARAT Usmanpura. Road. : (0471) 2323590.in GOA 301. : (0612) 2223985 Fax No. : (020) 25541439. 235600.A. South Block. Ahmedabad 380 013 Tel No. Circular Road. No.org JAMMU & KASHMIR IVth Floor. : (040) 27685555. Commercial Complex. Chandigarh 160 022 Tel No.2. J.org : nabbng@bgl. 2622258 Fax No.org ARUNACHAL PRADESH Bank Tinali. Block ‘B’. Opp. Thiruvananthapuram 695 039 Tel No. : (0191) 2472337 E-mail : nabjm@sancharnet. : (03862) 227040. No. 2410706 Fax No. 2323846. Bahu Plaza.in ASSAM G. : (0361) 2235661 Fax No.2472287 Fax No. Dak Bunglow Road.in : nabard_shg@dataone. B-II. Ground Floor. 235601 Fax No. : (0771) 2884992 E-mail : raipur@nabard.in shimla@nabard. 2323859 Fax No.133. B. West Wing.1. 202.D.in MEGHALAYA Dipu Cottage.Regional Offices / Sub-Office / Training Establishments ANDAMAN & NICOBAR Kannada Sangh Building. Wellesley Road.org HARYANA Plot No.org MANIPUR 89/686. RIMS Road. : (0360) 2212675. Shillong 793 001 Tel No. Bittan Market Bhopal 462 016 Tel No. : (0771) 2888499 Fax No. RTC Cross Road. Assam State Secretariat. P. : (079) 27551584 E-mail : ahmedabad@nabard. : (0755) 2466188 E-mail : nabmpro@dataone. : (020) 25542250 E-mail : pune@nabard. Shivaji Nagar.in JHARKHAND Opp. PB No. Musheerabad. : (0172) 5046703. Hyderabad 500 020 Tel No.in ANDHRA PRADESH Yedugiri Chambers. S. Menezes Braganza Road. : (0385) 2416192. : (03192) 233308 Fax No. Ravishankar Nagar. : (0389) 2340815 E-mail : nabaiz@sancharnet. E-mail : nbimphal4@sancharnet. Tagore Road. : (03192) 237696 E-mail : portblair@nabard. : (0364) 2501518 Fax No. Block No.S.org / nab-rpr@dataone.29. P. 2432967 Fax No. : (0832) 2223429 E-mail : panaji@nabard. Lalambung.net. : (0471) 2324358 E-mail : trivandrum@nabard.C.in : hyderabad@nabard. : (03862) 227040 E-mail : nabdim_@hotmail. : (0651) 2361107 Fax No. No. Post Bag No. Jeevan Prakash Annexe. Nizari Bhavan.. Aizwal 796 014. Khermahal. Statue.in MIZORAM Ramhlun Road.com dimapur@nabard. Pune 411 005 Tel No. Adivasi College Hostel. Sector 34-A.org 35 . 27612640 Fax No. : (0191) 2472355.32. Ranchi 834 001 Tel No. : (0651) 2361108 Email : nabardjh@dataone. 2215967 Fax No.in KARNATAKA 113/1. : (0385) 2416191. Kasumpti. Bawngkawan. : (0360) 2212675 E-mail : nabardita@sancharnet.in KERALA Punnen Road. Administrative NSCB Bldg.178. Upper Lachumiere.vsnl.org HIMACHAL PRADESH NABARD Bhavan. Road. : (0177) 2622271 E-mail : nabardsm@dataone. B. : (080) 22225241/44 Fax No. Rail Head Complex. 1-1-61. Patna 800 001 Tel No.B. VIP Road.3. Shimla 171 009 Tel No. Head Post Office. 2463341 Fax No. 18.in MAHARASHTRA 54. Guwahati 781 006 Tel No. Dev Nagar.. 5071467 Fax No. Itanagar 791 111 Tel No. P.K. K. Telephone Exchange.Pithalia Complex.

Sitapur Road.org : nabchn@dataone.org ORISSA ‘Ankur’. : (0674) 2552019 E-mail : bhubaneshwar@nabard.6074. Gomti Nagar.in PUNJAB Plot No.1. Kanpur Road. : (011) 41539187.46.in : haryana@nabard. : (0381) 2224125 E-mail : nabagtro@sancharnet. Srinagar 190 008 Tel No. Nungambakkam. Post Box No. Sector ‘H’. Gangtok 737 101 Tel No. 24. : (0194) 2310280 Fax No.org : nabarddoon@dataone.in HYDERABAD Zonal Training Centre. Sector 34-A. Bejai Church Road. 10-1-128. Lucknow 226 020 Tel No.in UTTAR PRADESH 11. Post Box No. P.org : nabbhu@sancharnet. Lucknow 226 012 Tel No. 5071401 Fax No. Kolkata 700 016 Tel No.9. 2nd Floor. : (0824) 2225835 E-mail : nabrtcmlr@dataone.D. Birbhum (West Bengal) Tel No. Bolpur 731 204. Jaipur 302 015 Tel No.139. : (0194) 2310479 Training Establishments TRAINING ESTABLISHMENTS BOLPUR Regional Training College. 6. Nayapalli Civic Centre. : (0381) 2224125. No. 28276088 Fax No. : (0522) 2304530 Fax No. Bejai. Mahatma Gandhi Road.in E-mail : ksh_nabprbol@sancharnet. Royd Street. 41539185 E-mail : delhi@nabard. P. 2421047 E-mail : bird@sancharnet. : (0172) 5046702 E-mail : chandigarh@nabard.in : bird@bsnl. Post Box No. Agartala . Uzirbari Road. : (03592) 204062 E-mail : gangtok@nabard.com LUCKNOW Bankers’ Institute of Rural Development. : (0172) 5046700. Tel No. L.) NEW DELHI NABARD Tower. Sector ‘H’.B.2229644 Fax No. : (040) 23375007 E-mail : zonal@sancharnet. : (011) 41539353. Near KSRTC Bus Main Stand.com MANGALORE Regional Training College. Lucknow . Mangalore 575 004. 203015 Fax No. : (033) 22494507 E-mail : nabcal@cal. Masab Tank. Hotel Sunrise Building. : (0522) 2421035 E-mail : nbsc@sancharnet. : (0522) 2421072 Fax No.org : nabard1@sancharnet. Dehradun 248 001 Tel No.B.Regional Offices / Sub-Office / Training Establishments (contd. Aliganj. Kanpur Road.799 001 Tel No. : (044) 28275732 E-mail : chennai@nabard.net. : (0522) 2421137. 2nd & 3rd Floor.in TRIPURA Palace Compound (East).104. : (0674) 2553884 Fax No. 7. : (0522) 2304531 E-mail : lucknow@nabard. 9083.226 010 Tel No. No. Opp.birdindia. Lucknow 226 012 Tel No.3. Bolpur Lodge. 2421187 Fax No. Chennai 600 034 Tel No. Colony. : (0135) 2748610 E-mail : dehradun@nabard. : (0522) 2421176.org RAJASTHAN 3.org SIKKIM Om Nivas. P.org : nabard_gtk@dataone.in UTTARAKHAND 113/2.org WEST BENGAL Abhilasha. Hyderabad 500 028 Tel No. : (0522) 2757564.in TAMIL NADU 48. : (0141) 2742161 E-mail : jaipur@nabard.in 36 . 2421154.in SUB OFFICE / CELL SRINAGAR CELL Opp. 2421055. Amar Singh College. 179 Bhubaneshwar 751 015 Tel No. : (0135) 2740230-31 Fax No. 22267943 Fax No. 2225831 Fax No. Manjusha Building. Chandigarh 160 022 Tel No. Nehru Place. Rajendra Place.net LUCKNOW National Bank Staff College. : (03463) 252295 E-mail : ksh_nabbol@sancharnet. 2757610 Fax No. : (033) 22252102. 2/1. : (03463) 252812. Vipin Khand.in LUCKNOW National Bank Training Centre.vsnl. : (0522) 2757566 E-mail : nbtc@sify. LDA Colony. : (03592) 204173.2229633. Sector D/S. Church Road. 254065 Fax No. Gogji Bagh.B No. : (044) 28304444. Rajpur Road. : (0141) 2740821 Fax No. Tonk Road. : (0824) 2225836. P. Gate No. Mandi Samiti. 25818707 Fax No. New Delhi 110 125 Tel No. B. No. Post Bag No.A.in Website : www.