The National Bank for Agriculture and Rural Development (NABARD) was established in 1982 on the recommendation of a committee to promote sustainable and equitable development of rural areas by facilitating credit and other support. NABARD provides refinancing to banks and cooperatives, acts as a coordinator between institutions, and undertakes research and training. Its roles include rural credit planning, promoting financial inclusion, and assisting state governments' rural development targets.

1. NATIONAL BANK FOR
AGRICULTURE AND RURAL
DEVELOPMENT
PRESENTED BY –
Yasha Singh
4113007007

2. 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.

3. 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.

4. HEADQUATER
Bandra-Kurla Complex ,
Bandra , Mumbai, Maharashtra

5. 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.

6. 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.

7. 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

8. ROLES
Primary role:
Providing refinance to lending institutions in rural
areas .
Bringing about or promoting institutional
development .
Evaluating, monitoring and inspecting the client
banks .

9. 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.

10. 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.

11. BANKING SERVICES
Production credit
Kisan Credit Cards
Farmers' Club Program
Tribal Development Fund
Microfinance Program
Village Development Program

12. Farm Innovation and Promotion Fund
Rural Infrastructure Development Fund

13. FINANCIAL OPERATIONS
Sources of funds Amt(31/03/20
11) (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

14. 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

15. 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

16. 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