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Historically animal rearing in Jammu and Kashmir is as ancient as we are man animal associations have continued since ages

before the advent of technological revolution in the west which culminated in the development of motorized transport vehicles of various kinds, it was animals such as horses, donkeys, mules, camels, bulls and yaks etc, who provided mobility to man. In the hilly state of Jammu and Kashmir animals still continue to be an important means of various transports in the treacherous terrains. Besides transportation the clothing, food shelter and even for tolls. The livestock continues to be useful to the people in the state even now. This animal are still the cheapest source of protein and provide may by products like leather, wool, manure and tool, scientific. There are no authentic records available which could throw light on evolution of various breeds of domesticated animals in Jammu and Kashmir State. However some earlier historical account and also the phenotypic characteristic of present generation of States livestock suggest that the early settlers of Kashmir Valley had domesticated wild cattle which possessed a small body frame with an overwhelmingly black body coat, dwarf size and small horns and wee primarily used for draught purpose. The Aryans are presumed to have brought with them the animals with white body coat. The other immigrants also brought several breeds of livestock which resulted in the development of non-descript type of cattle. Pathans are considered to have introduced Sindhi Cattle. The ponies and donkeys, Yaks, (in Ladakh) were put to load carrying and as a means of transport. Likewise bulls were put to use in agriculture fields and for pulling the carts. The livestock products like wool skins, hides, milk and manure were found to be useful and hence added to the value of livestock. History of organized dairy farming in Kashmir is relatively not an old one. In the prepartition era a cattle farm was established at Shalteng near Srinagar which maintained Sindhi and some local cows and bulls. It was setup following the recommendation made by the Royal Commission for Agriculture (1927) appointed under the Chairmanship of Lords Linlithgow, who later became viceroy. The Maharaja of Kashmir also established a Civil Veterinary Department in 1987 with two livestock inspectors one posted in Kashmir and the other in Jammu. The Veterinary Department primarily established to provide Veterinary care for mules and Horses of the Maharaja Cavalry was also charged with the responsibility of enforcing prevention of Cruelty to Animals. And the main objective of the Department was to treat ailing animal particularly those used for transportation purposes. A private farm with some imported cows and bulls of Ayershire breed was established at Cheshmashahi for Maharajas personal use. The Male calves born at the farm were auctioned and city gawalas (milk men) purchased the same for breeding purposes. Lady Linda popularly called Meera Behan, a close associate of Gandhiji established a dairy farm at Gowbal, a place near Kangan, with the objective of educated the people about various managemental aspects of dairy farming. It is thus evident that Veterinary services were introduced in the state as early a Ist quarter of 19th century. With the Advancement of British influence in the State Royal society prevention of injuries and cruelties to the animals was established which induced the state administration to established treatment centers. As a result of this some Veterinary Dispensaries came into existence in the last decade of the century and the Veterinary Department started functioning as a component of Agriculture Department under two inspectors one at Srinagar and the other for Jammu province separately with Director, Agriculture as head of the Department. During 1920-1930 there were 12 dispensaries in all and out these 6 were named as road dispensaries and were located in Jehlum valley road and Banihal cart road for treatment of transport animals and for detection of glanders as a precautionary measure to prevent entry of the disease into the state from Punjab. During this

period Mr. Taylor, Principal Lahore Veterinary College was invited to advice the state Government in the matter of establishing the Veterinary Department on a permanent basis to cater to needs of the farmers whose livestock needed protection and treatment against number of disease. Under his expert advice the Veterinary Department was established and given under the control of a Veterinarian Designated as Superintendent. The first officer was from Lahore and was appointed as superintendent after his retirement from services at Lahore. The dispensaries increased in number every year and few bulls (Sindha), horses and donkeys stallion were stationed at some important towns for improvement of local breed of these species. All these institution were manned by qualified personnel from outside the state numbering about a dozen. During the second decade of the 20th century some local youth were deputed to Lahore Veterinary Collage to qualify as trained Vets. These people on their retuned were absorbed in the Department. Subsequently more candidates were deputed for training to different collages, most of them going to Lahore, Bombay and Madras Veterinary Collage. Simultaneously the activities in different spheres of animal health breeding and veterinary education were expanded. A foreign qualified Veterinarian (MRCVS) took over the control of the Department during 1933-34 as Superintendent Veterinary Department brought subordinate to the state Development Minister directly. During thirties of the last century the Department expanded progressively and the need to protect the livestock wealth of the state increased substantially as the scourge of contagious disease was causing concern. The State secured membership in the then Imperial Council of Agriculture Research (ICAR) as a result of which two Clinical Laboratories came into existence. Vaccines for control of various disease started pouring into the state for immunization of the livestock against most of the contagious disease inducing Rinderpest, Hemorrhagic-Septicemia, Anthrax Black quarter and Rabies. In 1940 a centre for the manufacture of goat Tissue Vaccine ( Rinderpest Control Vaccine ) was also established under the disease Investigation centre Besides a number of Dispensaries having been were established nearly in almost all major towns for rendering adequate treatment to livestock and various controlling contagious disease. Livestock breeding activities of the Department remained restricted to a few selected places only. 4-5 Sindhi bulls, horses and donkey stallions available for breeding purposes at central places of Jammu, Srinagar, Udhampore, Anantnag and Baramulla. During 1935-38 arrangements were made to established two small breeding farms, one each at Srinagar and Jammu, wherein Dhani and Shadni breeds of cattle were located. These two farms came into existence and were fully functional by 1938-30, one at Belicharana, Jammu and other at Shalteng, Srinagar. The main purpose was improvement of cattle under the Premium bulls scheme among the progressive farmers in each village. These agents would maintain them on a maintenance charge paid by the Government and use them for breeding. The introduction of Sindhi proved to be an exercise in futility. The cross- Bred progeny, because of inherent characteristics, failed to survive the harsh winters. Its adaptability was zero. The production was lower than the local parent and efficiency of cross bred bulls in fields compared to native bulls was far from satisfactory. The organizational position as it exited in 20s, 30s, and 40s of the century is given in the table below.




1. 2. 3. 4.

No. of officers (Superintendent, inspector& Disease Investigation Officer) No. of Dispensaries No. of Veterinary Assistant Surgeons No. of Stables & Breeding centers

02 12 Nil 09

03 31 12 15

04 43 37 Nil

During the colonial rule, as was with the rest of the Sub continent, the state of Jammu and Kashmir too witnessed regression in Animal Husbandry, Agriculture and allied sectors. Majority of the livestock were of non-descript and inferior quality. The production of animal was significantly less. Livestock products like Milk, Eggs, Meat and By-Products were available only to very rich people. The infrastructure with the Department was quite archaic and in a sense the Animal Husbandry sector was the most neglected one. The manpower available had hardly any formal training in the Veterinary Science. The quack practice was rampant and so was mortality amongst the animal population. Disease like Anthrax Black Quarter Hemorrhagic septicemia Rinderpest (Cattle Plague) used to take a heavy toll of Livestock. The paucity of animal produce like Milk, egg and meat rich source of proteins carbohydrates lipids and minerals affected general health of the people which result in their lower output and low disease resistance. Proteins and calorie malnutrition affected more than 75% people and life of span was just in the range of forties. TOWARDS WHITE REVOLUTION, DEVELOPMENT IN ANIMAL HUSBANDRY The Jammu and Kashmir was one of the least developed states in the century in 1947. Its backwardness was reflected in mass poverty, deprivation, hunger, disease and ignorance. The annual per capita income in 1951 was Rs.208/- (at 1960-61 prices). The literacy was just 5%. The Agriculture economy was stagnant. Industrial development was almost negligible. Infrastructural bottlenecks were many which accentuated the poverty syndrome. The programmes for reconstruction of the state economy were articulated by the emerging political leadership from 1944. The Naya Kashmir programme envisaged institutional and agrarian restructuring so that the productive force could be unleashed from the shackles of landlordism and decks cleared for economic growth and development. The policies that aimed at establishment of a socialist order in the society for the promotion of the welfare of people were, set forth in the directive principles of the state constituting. The development in a planned manner (of) the production forces of the country with a view to enriching the material and culture life of the people, the organization and development of Agriculture and Animal Husbandry by brining to the aid of cultivators the benefits of modern scientific research and techniques son as to ensure speedy improvement in the standard of living as also the prosperity of rural masses. In the post 1947 period strong emphasis was paid on the development of Animal Husbandry Agriculture and allied sectors to give a fillip to the economy of the peasantry. The Civil Veterinary Department got transformed into Animal Husbandry Department to ensure overall improvement in the livestock of the state. Ever since independence the Department of Animal Husbandry has been actively working for improving the cattle wealth of the state. Prior to Economic Planning the activities of the Department were confined to treatment of ailing animals for which few Veterinary Hospitals and dispensaries were set up in important towns of the State. With the

implementation of the 1st Five Year Plan the Department started cattle breeding farms, one at Cheshmashahi, Kashmir and second at Belicharana, Jammu with the aim of producing breeding bulls to be stationed at hospital and dispensaries for up-gradation of local cattle. The number of hospital and dispensaries was also increased to provide Veterinary aid to livestock on more convenient terms. In 1954 breeding by artificial means was introduced for the first time in the state. Two Artificial Insemination Centers, one each at Srinagar and Jammu were established. Drs. Ghulam Hassan and Kulwant Singh respectively manned the Srinagar and Jammu and Kashmir centre. They were thus the pioneers of Artificial Breeding of Cattle in the State. During the 1st Five Year Plan a start in the Cattle development programme was made with the implementation of Key Village and Feed Cattle development programme scheme in the state. This was based on the principal of improved breeding, balanced feeding, scientific management and prompt disease control. During 2nd Five Year Plan the key village scheme (KVS) got further expanded and natural service (matting) was replaced with artificial insemination (AI) using semen from Red Sindhi bulls. However, the Sindhi breed introduced under the key village scheme for upgradation of local cattle failed to gain popularity with the farmers as its performance was not at all impressive. Another Scheme known as Hill Cattle Development Scheme for hilly regions was started in 1964. It almost was a replica of key village Scheme. However, under the scheme Jersey rather than Red Sindhi Breed was used for up-gradation of local cattle. During the year 1967-68 the need for taking a large compact area under cattle development programme was felt and accordingly a start was given by setting up to two Intensive Cattle Development Project (ICDP) in the milk shed areas of Jammu and Kashmir. Each ICDP comprised of 4 Regional Cattle Development (RCD) blocks and each RCD block covered 25 Centers. Besides dealing with cattle Development programme the Scheme also provided for dairy extension and fodder development works. The first Jersey calf born through Artificial Insemination was axed to death at Budgam, Anantnag since at the time Jersey breed was presumed by farmers to be a cross breed between pig and cow. A society overwhelmingly illiterate ignorant and superstitious posed a serious challenge to the egress workers out there simply to help the society out of centuries of economic morass. Castration of scrub bulls, an essential component of intensive cattle development programme (ICD), most of times invited the wrath of ignorant villages for the villagers for the Department personnel. There were occasions when police help was sought to carry on the programme. Thanks to livestock improvement Act, intervention by police was possible. The dedicated personnel of the Department overcoming all odds, succeeded in making a breakthrough in the cattle development. The ICDP continued to be operational through the 4th Five year Plan and got strengthened and extended to more uncovered areas. During the 6th Five Year Plan in 1980 two frozen semen Banks, one each at Jammu and Srinagar, were established with the assistance of Danish International Development Agency. Under this programme equipments required for production and processing of Frozen Semen Banks have made it possible to extend A.I. Facilities even to facilities to mountainous areas including those which remain cut off during winter.

Organisational Structure
Department of Animal Husbandry Kashmir is headed by the Director and assisted by three Joint Director's who head the Poultry Development, Research and the Frozen Semen & Breeding wings of the department respectively. The field cadres of the department are integrated with the directorate through the respective Chief Animal Husbandry Officers/Dy. Directors of the organisations


1. Background 1.1 Dairy Milk production in India is characterized by small rural producers scattered all over the country accounting for about 70 per cent of production. Although the organized sector, which produces western type products also has shown fast growth in the last three decades, it still accounts for only 15 per cent of the total milk produced in the country and a far larger proportion of milk continues to be marketed by the unorganized sector - comprising innumerable vendors, small processors, merchants, manufacturers and retailers of indigenous milk products like khoa, paneer, dahi and milk based sweets, etc. But the main problem in the unorganized sector is quality, which creates a serious threat to the health of consumers. Unsanitary local conditions, unhygienic containers, substandard processing equipment, poor handling methods, breaks in the cold chain etc contribute to poor quality and at times unsafe milk in the unorganized sector. To bring about structural changes in the unorganized sector, the measures like processing at village level, process and market pasteurized milk in a cost effective manner, quality up gradation and up gradation of traditional technology to handle commercial scale using modern equipment and management skills, it is proposed to introduce the dairy venture capital fund scheme under which assistance can be provided to the rural beneficiaries under a schematic proposal through bankable projects. These projects should include activities like private veterinary clinics and other support services needed for the growth of the sector. 1.2 Poultry With the various efforts made by the Government of India, ICAR, State Governments, Financial Institutions and private sector etc. poultry has developed well in the country. However, these efforts have resulted in growth only in a few states and a considerable segment in the poultry sector is still unorganized and is spread over in the form of small farms in farflung areas that still need organized efforts to exploit this potential. The training and marketing also continue to be the weakest link in various poultry development programmes. Due to these limitations, poultry development, particularly, in the North Eastern States and Eastern states is still at a very primitive stage. In the absence of organized marketing and training programme the poultry development programme is not able to realize its full potential. 2. Objectives 2.1 The main objective of the scheme is to create a venture capital fund for providing financial assistance to agricultural farmers/ individual entrepreneurs and groups of all sections of unorganized as well as organized sector for the following purposes: To promote setting up of small dairy farms for milk production To bring structural changes in the unorganized sector; processing and marketing of pasteurized milk at village level To bring about upgradation of quality and traditional technology to handle milk on a commercial scale To boost the unorganized poultry sector in states where development is in primitive state and also to give incentive and create infrastructure facilities for export of poultry products by organized sector from advanced states Establishment of poultry and breeding farms with low input technology and also for other poultry species

Setting up of poultry feed plant/ laboratory Setting up of egg grading, packing and storing facility for promoting export Marketing of poultry products (specialized transport vehicles, cold storage etc) 3. Activities/Total Outlay/Area of operation covered under the scheme: 3.1 The funds will be distributed among dairy and poultry activities with an overall ratio of 2:1. The following activities will be funded under the scheme either individually or in combination. (A) Components, which can be funded under dairy sector: 1. Establishment of small dairy farms upto 10 animal units (Buffalo and crossbred cows) for milk production - Rs.3.00 lakhs - only in non-operation flood areas 2. Purchase of milking machines /milko testers / bulk milk cooling units (upto 2000 lit capacity) - Rs.15.00 lakhs 3. Purchase of dairy processing equipment for manufacturing indigenous milk products - Rs.10 lakhs 4. Establishment of dairy product transportation facilities including cold chain Rs.20.00 lakhs 5. Cold storage facilities for milk and milk products Rs.25.00 lakhs 6. Establishment of private veterinary clinics Rs.2.00 lakhs for mobile and Rs.1.50 lakhs for stationary clinics. (B) Components, which can be funded under poultry sector: 1. Establishing poultry breeding farms with low input technology birds and also for ducks/turkey/guinea fowl/Japanese quail/emu/ostrich etc Rs.30.00 lakhs 2. Establishment of feed godown, feed mill, feed analytical unit Rs.16.00 lakhs 3. Marketing of poultry products (specialized transport vehicle, cool room storage facilities and retention shed for birds etc) - Rs.25.00 lakhs 4. Egg grading, packing and storage for export capacity - Rs.80.00 lakhs 5. Retail poultry dressing unit (upto 300 birds per day) - Rs.5.00 lakhs 6. Egg/broiler carts for sale of poultry products - Rs.0.10 lakhs 7. Central grower unit (12,500 birds per batch and 4 batches per year) -20.00 lakhs. The Scheme can be implemented in any part of India. However, thrust needs be given in states like Uttaranchal, Maharashtra, U.P., Karnataka, Tamil Nadu,. Punjab, M.P, Orissa, A.P., Rajasthan, and North-Eastern states during 2004-05. For N.E. states an allocation of Rs.2.0 crores out of Rs.7.2 crores may be made while S.B.I, P.N.B., Indian bank and Canara Bank have promised to take lead in implementing this scheme, other commercial banks, cooperative banks and regional rural banks may also participate as per the field level demand.

4. Eligibility 4.1 The eligible beneficiaries shall include agricultural farmers/ individual entrepreneurs and groups of all sections of unorganized as well as organized sector. Preference may be given to traditional sweet makers (Halwais) to improve quality and hygiene of their products. In poultry, preference will be given to Pheriwalas, which will generate self-employment for urban poor. Veterinary Science Graduates alone will be considered for providing loan under the component of veterinary clinics. 4.2 The indications given in Paragraph 3 above only show the maximum outlay of the project to be included under the scheme. The State level Review and Disbursement Committee will

ensure that maximum number of units receives the benefit under the scheme and the spread of the proposals approved is not limited to one area/activity. 5. Preparation of Projects 5.1 The borrowers selected by identified banks will be financed for specific activities under dairy/poultry sector and assisted under the scheme. The borrowers will prepare a bankable project and submit it to the banks for consideration under the scheme. The fund provided by DAH&D will be kept with NABARD and will act as a revolving fund from which the beneficiaries under the scheme will be given a interest free loan of 50% of the total cost of the project/proposal subject to the ceiling indicated above in Para 3. 10% of the total investment will be borne by the borrower as his margin and the bank will charge an interest rate applicable as per their norms on the balance loan amount of 40% of the project cost. This will help the borrower in reducing his interest burden. A list of schemes/components, which may qualify under this scheme, has already been described above in Para 3. The Banks will adhere to their own appraisal norms. However, the checklist to facilitate the compliance of the requirements of formulation/scrutiny/appraisal in respect of the scheme will be provided to the banks by NABARD. 6. Implementation period and funding pattern 6.1 The scheme will be implemented during the X Plan period. It is an umbrella project under which individual schemes will be sanctioned. 6.2 There is a provision of Rs.7.20 crores for the scheme during the current financial year 6.3 Scheme funding/ Pattern of Investment: Entrepreneurs Contribution: 10% of total outlay Revolving Funds (GOI)share:50% of total outlay - no interest Banks share: 40% of total outlay - interest as applicable to agriculture loans 7. Implementing Institutions 7.1 NABARD will be the Nodal Agency for implementation of the scheme. The scheme will be implemented by Commercial Banks, Cooperative Banks and RRBs. 8. Disbursement of Loan/Revolving Fund 8.1 The financing bank will disburse the loan within 7 days of the approval of the State Level Review and Disbursement Committee to the borrower to whom the loan has already been sanctioned. The Bank will not charge interest from the borrower on the amount received by it from the revolving fund. 9. Submission of proposals for release of interest free loan portion 9.1 The format in which the banks will claim the interest free loan amount from the revolving fund is enclosed at Annexure II. The Banks controlling office will submit the consolidated claim, activity wise to NABARD RO on a fortnightly basis. 10. Sanction of project and release of amount from Revolving Fund and Repayment of loan 10.1 For the first year, NABARD ROs will implement the scheme in the states identified and launch the scheme with the participation of the banks in all the districts. The bank will identify beneficiaries for the activities under the scheme.

10.2 The project will be sanctioned by the bank after proper scrutiny as per its laid down procedure and satisfying itself that the proposal is viable and meets the conditions prescribed under the scheme. The bank will submit its claim in the prescribed format to the Regional Office of NABARD after sanction of the loan proposal. 10.3 The State level Review and Disbursement committee headed by RO, Incharge of NABARD will have representatives of leading banks, other banks expected to participate in the scheme and the Animal Husbandry and Dairy Departments of the concerned State Govts and will meet at least once in a fortnight. Thus, the maximum time taken to clear a proposal will not be more than 15 days. 10.4 Fifty percent of the total outlay i.e. the interest free loan portion, out of revolving fund, will be released by NABARD to the bank after scrutiny of the claim. For this, the State level Review and Disbursement Committee (SLRDC) will accord approval for disbursement of loan on the basis of first come first serve basis and considering the merits of the case and authorise release of the amount by NABARD Head Office. The Committee will ensure the timely disbursement of loan preferably with in 7 days, once it is approved. Accordingly, NABARD HO will release the amount to the participating banks from the revolving fund. A ratio of 2:1 may be maintained between the loan released for dairy and poultry sectors respectively at the national level. 10.5 The bank will release the entire loan amount in instalments depending upon the progress of implementation of the project. The bank will affect recovery as per its prescriptions and will return pro rata of the recovery made to NABARD for crediting towards the revolving fund on an annual basis. 11. Repayment of Loan 11.1 Repayment period of loan will depend upon the cash flow and will be up to a maximum of 7 years including grace period of two years. Any deficiency in repayment in the project will be the responsibility of the bank as the borrowers are to be identified and selected by them. 12. Recovery/Passing on Revolving fund amount 12.1 The recovery of loan , when made will be divided between GOIs and banks share of loan on pro rata basis. 13. Unit Cost 13.1 The maximum outlay of the project for individual borrowers has been given in Para 3. Unit cost will depend on the type of investment, size of operation, and type of equipment and infrastructure needs. The State level Review and Disbursement Committee at the Regional Office of NABARD will consider the above factors while deciding on the interest free loan amount to be released. 14. Refinance Assistance 14.1 NABARD would provide refinance to participating banks for 90% of the amount financed by the banks as term loan. Rate of interest on refinance will be decided by NABARD from time to time. 15. Security Norms

15.1 The security norms will be as prescribed by Reserve Bank of India from time to time. 16. Adjustment in Borrowers Account 16.1 The bank can charge interest as per its norms on its portion of the loan account but should not charge any interest on amount drawn from the revolving fund. The bank will disburse the loan amount after it receives interest free portion from the revolving fund. It shall recover the loan amount as per instalments prescribed and pass on pro rata portion of the amount recovered back to NABARD on yearly basis. The loan amount will vary depending on the purpose for which the loan is given. 16.2 Regular repayments will make the borrower eligible for interest subsidy on the bank loan portion (to the extent of 40% of the outlay) upto 50% of the interest payable. The bank will charge the usual interest amount on this portion and for only the regular repayment; it will claim 50% of the amount interest charged from NABARD as subsidy. On receipt of the subsidy from NABARD the amount will be credited to the borrowers account. This subsidy will be claimed from NABARD on yearly basis as per the format to be prescribed by NABARD. 17. Monitoring 17.1 The National level Joint Monitoring Committee will be headed by Joint Secretary, Dairy Development (Dept. of AH and Dairying, MOA, GOI) and will have representatives of NABARD, State Bank of India, UCO Bank, Punjab National Bank, Canara Bank and Indian Bank and Secretaries of AH and Dairy Development of four State Governments on rotational basis. This Committee will formulate guidelines for the implementation of the scheme and monitor the implementation of the scheme. NABARD will closely monitor the units financed and will conduct periodic inspections to verify the utilization and study the working of the scheme. 17.2 The State level Review and Disbursement Committee (SLRDC) will be headed by RO of NABARD and will include representative of banks expected to participate in the scheme and Animal Husbandry and Dairy Departments of the concerned State Govt. The Committee will authorise release of the interest free loans as well as the interest subsidy to banks. The Committee will meet on a fortnightly basis and send bank-wise, activity-wise and district-wise statement to GOI and NABARD HO on monthly basis. It will also help in popularising the scheme in the state. The RO, NABARD will also be the convener of the SLRDC. 17.3 The participating banks will conduct periodic inspections of the units and give a feed back to the Joint Monitoring Committee on a consolidated basis and to the State Level Review and Disbursement Committee at the State Level on any deviation / misutilisation of funds. 17.4 On completion of the project, the participating bank would submit a completion certificate to DAH & D through NABARD. 18. Role of various agencies 18.1 NABARD To administer the revolving fund and conduct fortnightly meeting of State Level Review and Disbursement Committee along with financing banks and Animal Husbandry and/or Dairy Department of the concerned State.

To scrutinize the claims of the bank and release the amount claimed To monitor the scheme on a regular basis and provide a report to DAH&D, GOI on monthly basis. To plan for improvement and expansion of the scheme for future, based on the feed back 18.2 Banks To identify, receive and sanction the projects received from the borrowers for various purposes identified under the scheme and disburse the loan amount within 7 days of approval by State Level Review and Disbursement Committee. To recover the loan amount as per repayment schedule and repay the amount recovered on the loan portion out of the revolving fund to NABARD on yearly basis. To provide feed back on implementation of the scheme at State and national level. 18.3 Role of DAH&D To convene the meetings of the Joint Monitoring Committee regularly and review the implementation with NABARD and financing banks. At least one meeting will be held in each quarter. To plan and expand the scheme in future as per the feed back received from NABARD and financing Banks. To undertake field visits of projects on sample basis and make funds available as and when needed 19. Publicity 19.1 NABARD and the implementing banks will make efforts for wide publicity at the district and State levels through organisation of Workshops and through Farmers Clubs, NonGovernmental Organizations and rural branches of financing banks. 19.2 The members of the State Level Review & Disbursement Committee will also help in popularizing the scheme.

20. Other conditions : * A signboard at the site "DAH&D Assisted Project" will also be exhibited. * DAH&D reserves the right to modify, add, and delete any terms/conditions without assigning any reason. * DAH&D's interpretation of various terms will be final. * DAH&D reserves the right to recall any amount given under the scheme without assigning any reason thereof. * Any other pre & post inspection would be undertaken by DAH&D representative to find out the physical & financial progress as and when required.