NATIONAL BANK FOR AGRICULTURE AND

RURAL DEVELOPMENT

PRESENTED BY – Yasha Singh 4113007007

INTRODUCTION

The committee of Mr. B. Sivaraman recommended the establishment of NABARD, on November 28, 1979.

The parliament through the act 61 of 81 approved its setting up in July 1982.  

Set up with initial capital of Rs.100 crore, increased to Rs.2,000 crore, fully subscribed by the government of India and the RBI.

Apex bank for facilitating – credit for promotion and development of

agriculture, small-scale industries, cottage and village industries, handicrafts and other rural crafts.

It also support to all other allied economic activities in rural areas and secure prosperity of rural areas.

HEADQUATER

Bandra-Kurla Complex ,Bandra , Mumbai, Maharashtra

VISION

To facilitate sustained access to financial services- for the unreached poor in rural areas through

various micro Finance innovations. Cost effective and sustainable manner.

MISSION

By the end of year 2015, we have planned to link nearly 9.2 crore households which would ensure coverage of more than 50% women through SHG (Self-Help Group) Bank linkage program.

Chairman

Managing Director

Board Of Director

Executive Director

Head

Office

Departments

Regional

Offices

Sub Office Special Cell

District Development Offices

Training

Establishments

HIERARCHY OF NABARD

ROLES

Primary role:

Providing refinance to lending institutions in rural areas . Bringing about or promoting institutional development .Evaluating, monitoring and inspecting the client banks .         

NABARD also:

Acts as a coordinator in the operations of rural credit institutions.Extends assistance to the government, the RBI and other organizations for rural development. Training and research facilities for banks, cooperatives and organizations working in the field of rural development .  Acts as regulator for cooperative banks and RRBs.

Helps the state governments in reaching their targets of providing assistance agriculture and rural development .  Apex institution accredited with matters concerning policy, planning and operations in the field of credit for agriculture and activities in rural areas.    It prepares, rural credit plans for all districts in the country on annual basis.It promotes research in the fields of rural banking, agriculture and rural development.

BANKING SERVICES

Production credit

Kisan Credit Cards

Farmers' Club Program

Tribal Development Fund

Microfinance Program

Village Development Program

Farm Innovation and Promotion Fund

Rural Infrastructure Development Fund

FINANCIAL OPERATIONSSources of funds Amt(31/03/2

011) (crore)

Share %

Capital, Reserves & Surplus

13,863 8.7

National rural credit Funds

16,045 10.1

STCRC Fund 14,622 9.2

Deposits 277 0.2

RIDF Deposits 67,878 42.7

Bonds & Debentures 26,788 16.9

Certificates of deposits 137 0.1

Sources of funds Amt(31/3/ 2011) (crore)

Share %

Term Money Borrowings 110 0.1

Commercial Paper 6,448 4.0

Borrowings from GoI 124 0.1

Foreign Currency Loan 503 0.3

Borrowings against STD 360 0.2

Other Liabilities/Funds 11,717 7.4

Total 1,58,872 100.0

Application of funds Amt (31/03/2011) (crore)

Share %

Cash and Bank Balance 10,537 6.6

Government Securities and other Investments

5,868 3.7

CBLO 228 0.1

Production and Marketing Credit

33,885 21.3

Conversion of Production Credit into MT Loans

193 0.1

APPLICATION OF FUNDS

Application of funds

Amt (31/03/2011)(crore)

Share %

MT & LT Project Loans 38,896 24.5

LT Non Project Loans 167 0.1

Loans out of RIDF 66,078 41.7

Co Finance Loans 88 0.1

Other Loans 182 0.1

Fixed & Other Assets 2,750 1.7

Total 1,58,872 100.0